BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX  XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2021-01-18
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
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 was part of a scam and the bank will not reverse payment because it is a XXXX  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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is in direct Consumer Law 15 USC 6802 ( a ) and 15 USC 6802 ( b ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau.

The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding XXXX XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2021-01-18
Company: Experian Information Solutions Inc.
State: MD
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:
It was a FHA mortgage that was in CARES Act forbearance and was repeatedly assured that no negative reporting would occur. The house was sold and paid in full then after XXXX XXXX reporting 90 days late and my credit score was greatly affected.

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: EASTERN BANKSHARES INC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I came home from work on XX/XX/2022 checked my mail and found a debit card opened in Eastern Bank that I never opened. When i called about it after checking my social security number, birthdate, driver 's license #, email address etc most of which was incorrect I was told to call the police department to report the fraud and to report it to the FTC as well as the various credit agencies. 

The account was opened online on XX/XX/2022.

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 2022-09-07
Company: Telsa Motors Inc
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Tesla had a program last year of 2021. Where applicants can put a down payment of {$7500.00} and lease a model XXXX XXXX vehicle. After, I ( XXXX XXXX XXXX made the initial {$100.00} payment to design and order my model XXXX XXXX car. I was denied the opportunity to proceed to making a down payment of {$7500.00}. I then make a request to Tesla loan originator located in XXXX, XXXX and request him to send a letter of denial, person identity who refused, and reasons why. Unbeknownst to me, the loan originator stated Prohibited Basis in his statements of emails sent to me. I truly believe I was denied under Prohibited Basis. It has been 45 days since I requested that statement of denial and still no response from Tesla. 

I appreciate your time and allowing me to share my story! 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This settlement stems from a multistate investigation of Santanders subprime lending practices. The attorney general and other coalition members alleged that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. It alleged that Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees and high payment-to-income ratios. 

The attorney general and the coalition also alleged that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. 

Finally, the coalition alleged that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. 

In addition to providing relief to consumers, Santander in the future is required to factor a consumers ability to pay the loan into its underwriting considerations. 

My loan was open XX/XX/XXXX my APR was 16.65. I put a down payment of {XXXX} my payments were {XXXX} a month for 72 months. I defaulted after a year of on time payments and the truck was picked up in XXXX of XXXX. Santander closed the account in XXXX of XXXX and still reported a late payment in XXXX of XXXX. And they changed the date of the last payment to XX/XX/XXXX when it was actually XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: EQUIFAX, 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:
Sent Equifax my police report along with documents showing the fraudulent id and social used to get these accounts.supposed to block them or remove.they have ignored it.finally found an attorney to file suit if they do not remove after this. The accounts are XXXX XXXX card services.XXXX XXXX XXXX.and XXXX XXXX.none are mine.all account originated in Colorado where I never lived.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have previously filed a complaint through CFBP on XXXX XXXX XXXX the complain ID : XXXX about Coinbase company and the fact that they have locked my account for 33 days now and not only they respond very rarely but when they do they claim that the documents I provided them with are not accurate which I strongly reject and I will send you a screen shot of what they asked and what I provided to find out who is not doing the job right. 
I held around 3 BTC with Coinbase and I was a day to day trader. However they locked my account based on a false claim that my account was logged into from a prohibited country and ever since for some reason they kept ignoring me and my documents which proves they are wrong. 
The reason I am resubmitting a complaint again is because they asked me to provide them with 1- A bank statement not older that 30 days. 2- A utility bill not older than 30 days. 3- Government issued ID.

So I sent them 1- A full PXXXX XXXX statement dated XXXX. 2- Electricity bill dated XXXX. 3- XXXX passport. 4- XXXX driving licence. 
All containing what they asked for which is my name and my current address and bank details and etc. 
Surprisingly the E mail I received instead was : ''The documents you provided was older than 30 days and you did not provide your ID '' I am so frustrated with their customer service and I would like you to have a look at what they requested and what I sent to them. 
Please help me as I feel helpless and I think Coinbase intend to hold on to people assets for as long as possible Coinbase the price of Bitcoin is sky rocketing.

They do not care to correspond well with me as a customer and do not care if I have family and need to look after their well beings. 
Please help. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
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. The List of accounts below has violalod my federally prolecied consumer rights to privacy and confidontiality under 15 / USC 1681.

| 15 U.S.C 1681 section 802 A. States I have the right lo privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account wilhout my writlen instructions 15 U.S.C 1681c. ( eX5 ) Section Slates : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adve Hem of information, olher than records of convictions of crimes which antedates the report by more than seven years. 

Inquiry 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 2018-08-01
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I HAD A VISA CREDIT CARD FROM THIS BANK & THEY CHANGED IT TO MASTER CARD FEW MONTHS BACK. WHEN, I ACTIVATE MY NEW MASTER CARD, I WAS TOLD THAT I WOULD RECEIVE A BONUS OF {$75.00} AFTER MY FIRST.I DID MADE MY FIRST PURCHASE BUT NOTHING SO FAR. I MADE TRANSACTION EVERY MONTH AFTER THAT, BUT I DID NOT RECEIVED MY BONUS OF {$75.00}. THEIR CUSTOMER SERVICE WAS VERY BAD. THEY DID NOT CO OPERATE AT ALL.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX MO XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX MO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-01-18
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I wrote a complaint about a week or so ago about the Executive Response Team not being of any assistance and being told that my account needed a 24-48 hour review my account. Got the run around multiple times from supervisors, employees, call center reps, you name it. Well then the CFPB wrote in that my account was corrrected and it was " for my protection '' Today- I went in to XXXX  my fianc {$400.00} dollars ( I XXXX him between XXXX a month depending on bills and expenses ) Recieved a text alert saying can you verify this transaction I selected " yes '' and then it said " thanks all set nothing more to do '' Tried again and my account was LOCKED and placed on a 24-48 hour hold again so I can not access my money ... .... 

This is unacceptable - the representative I just spoke to told me that I needed to wait couldn't access my money and if I needed to I could reach out to a lawyer but she has no insight as to what is going on and can not help and there were no supervisors online or in the office. 

WHAT IS GOING ON. This is beyond unacceptable and at this point if I don't get a resolution my only option will be to contact a lawyer I can not not have access to my money.

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 2022-04-27
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Bank # 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 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
Consumer complaint received 2021-01-18
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 status incorrect

Complaint:
I settled the XXXX with account number XXXX XXXX XXXX XXXX. This account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I paid off an charge off account with Santander consumer USA on XX/XX/XXXX and received a letter stating that the account has paid in full. However when disputing with the 3 credit bureaus, Santander responded with the same original amount owed and does not update balance on report to an XXXX balance per agreed and stated on the settle in full letter. This is fraudulent reporting on my credit report and needs to be corrected on with all 3 credit bureaus before legal action is taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
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: Account information incorrect

Complaint:
XXXX XXXX is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy.

The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report.

Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.

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