BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my 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 2021-01-30
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I notified the mortgage company, after I received emails over night, that said my escrow account was negative. I found 3 property tax payments were made but none for my mortgage. This was an error of over XXXX dollars. I was assured it would be resolved and I would get a phone call no later than XXXX XXXX. I was never contacted so I followed back up online and the issue was not resolved. I have called over 5 times since then each time being told the issue will be resolved and they will contact me back. They never return my call and my property taxes have still not been paid.I have talked to the escalations department multiple times and each time they assure me they will call me back because it has to be escalated but they never do and this has been happening for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2020-07-31
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
I made several request to have information reported on the credit report corrected due to COVID-19.  Accounts with Comenity Bank and XXXX report my accounts as being 30 to 60 days past due during the COVID-19 Pandemic. I made a request for hardship agreement with the creditors to have my payments deferred. I submitted proof of the agreement. The Creditors report my Account Payment History as being past due some XXXX, 2020 and XX/XX/2020. I agreed to make payments during our agreement and complied by paying the account off in its entirely. The Creditor Comenity Bank and XXXX continues to report the account past due when the accounts were brought current and some paid off. 

According to CFPB, If an agreement is made while your account was already delinquent and your " BRING YOUR ACCOUNT CURRENT '', the creditor " MUST REPORT YOUR ACCOUNT IS CURRENT ''. The account with XXXX was brought current and the account history still reports as 30 days late. For Comenity Bank, my accounts were paid off in full and they still report the accounts as being 30 days late for XXXX and XXXX. 

In regards to " Timing '' the Cares Act Amends section 4021 covers consumers from XX/XX/2020 to 120 days after the Pandemic. Although the Cares Act was not signed until late XXXX, the covered period begins retroactively from XX/XX/2020. Although I was effected since XX/XX/2020, the above creditor did not start offering agreements and taking applications until XXXX. 

Although it is clear that the effective date for COVID-19 relief was XX/XX/2020, the creditor are not complying with the policy even during the month the president signed the Act XX/XX/2020 which is still being reported as last on my account. 

As a retired military and military spouse, this has case an effect on our family in obtain a VA Mortage and to loose out on the opportunity of purchasing a home. 

I have attached the policy and rules regarding the above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 act credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 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 explanation
Consumer complaint received 2019-09-02
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I received a " XXXX with Zelle payment '' to my XXXX Checking account for {$2000.00}. 
On XX/XX/2019 I received a debit for a " Zelle Dispute '' of {$2000.00}. 

On XX/XX/2019 I realized {$2000.00} was taken out of my account with the debiting transaction labeled " zelle dispute ''. I contacted XXXX customer service and they informed me that their was an open investigation on this transaction for quite some time. The investigation is now closed and was decided in the senders favor. 

I asked why the case was decided in the senders favor and was given the following information : The sender called their bank and told them that this was an unauthorized transaction. An investigation was opened. They looked into the account owners login history to verify that the location they logged in from was irregular. Based on the IP address investigation they decided to rule in the senders favor and issued the {$2000.00} reimbursement. 

I personally know the sending party and know that this was not an unauthorized transaction. Initially they wanted to send me money via a XXXX transfer but I told them I prefer Zelle ( thinking there was no risk of a chargeback ; i was wrong ) .So we met in person on XX/XX/XXXX so that they can pay me the money they owe me via zelle transfer. He called his sister ( the account owner ) and told her to go ahead and send the money after I gave them my zelle details. I heard XXXX XXXX voice ( the account owner ). 

I am 100 % certain that this was an authorized transaction by the sender and they are exploiting the bank/ zelle 's policy here. This was a lackluster investigation which resulted in a XXXX criminal being rewarded and an honest American taxpayer out {$2000.00}. Of course these criminals knew to use a different login location to complete the transaction. They are criminals who live off of stealing from other people! The only investigation performed was to check if the criminal was smart enough to use an IP Address they have never used before to login to their account to complete the transfer! 

It is very obvious someone told them about this scheme where you can send money through your USA bank account and request your money back by calling the bank and saying it was an " unauthorized transaction ''. These people are XXXX and don't have much money. They will screw over anyone as long as they can get some money out of it. 

To make matters worse, XXXX customer representatives claim that they froze my account to complete the investigation. 
I was never told about any type of ongoing investigation or my account being frozen. I do my weekly banking with XXXX and my account was never frozen or suspended when logging in online. This was like an extremely lazy effort from whoever investigated this claim. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 several occasions, I have filed for my invasion of privacy 15 US 1681 ( a ) ( 4 ) consumers ' right to privacy and identity theft. Previous case numbers XXXX Transunion, XXXX XXXX, XXXX XXXX XXXX I have proven several times that I never gave written permission to use my information on any credit report. These credit bureaus constantly write back stating that your Bankruptcy is accurate. I already know that. This also shows continuous identity theft by not removing Bankruptcy from a credit report when showing violations. I have filed with Nevada State Attorney General 's office for identity theft. Violation NRS 205.4651.

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 2019-01-17
Company: EQUIFAX, INC.
State: ID
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 XXXX XXXX- XX/XX/18 {$1200.00} XXXX XXXX-XX/XX/18 {$850.00} XXXX XXXX XX/XX/18 XXXX I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX XXXX against Capital One for Capital One 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Capital One has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Capital One discriminated against me by only offering interest rate on a loan way above that of what they offer other individuals for no reason. They were completely predatory in there unfair loan. The company does n't refinance existing loans, again discriminating against me by denying me services they will provide other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
hello. i am not writing this against bank of america. but the dispute that is open they must know I NEVER RECEIVED PRODUCT IT MAY HAVE BEEN STOLEN AND RELATIVE TO CARD ENDING XXXX i told this to XXXX. never received the product not paying it never got it. so the letter i received said wait to hear from us

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have had a loan previously with this company XXXX. It was a personal loan of XXXX I opened back in XX/XX/XXXX paid off XX/XX/XXXX. I never missed a payment with them, yet, it doesn't show positive account pay off. 
They also have listed another XXXX loan that was taken in XX/XX/XXXX. That depending on my credit report there is one or no payment made to this account. Then it went to CO. I did not take a loan out during this time, nor did I use XXXX. Later that account, this information was sold to another company. So, my information was shared to yet another company without my knowledge or consent. I have been doing credit research and working with credit repair companies ( XXXXXXXX ) since XX/XX/XXXX. I have sent letters and made calls to XXXX. I'm redirected to this new company that I have never had any communication with. I receive no response. And I have had only further and greater impact to my credit and lifestyle.

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 2022-01-16
Company: BYL Collection Services
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BYL COLLECTION SERVICES , LLC contacted me via USPS in regards to an alleged debt on XX/XX/2021. I wrote a letter demanding validation of this alleged debt as I have no record of consenting to be communicated by BYL COLLECTION SERVICES , LLC nor am I legally obligated to pay any and all alleged debt to them as I have no contract with BYL COLLECTION SERVICES , LLC. I also attached a cease and desist with the beforementioned letter. Both documents were sent off XX/XX/2021 certified mail with a green return receipt and received on XX/XX/2021. BYL COLLECTIONS SERVICES, LLC was given 5 days upon receipt to provide proof for me to see that validates their alleged claim. They have failed to do so resulting in this matter being settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with AMERICAN HONDA FINANCE. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Foris DAX, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I transferred, XXXX USD from my bank account to my crypto.com account to do crypto currency business. unfortunately, I scammed and lost all my money through crypto.com. a scammer contacted me on my what's up number and said if you want to do crypto currency business, I can help you, she said I know a very good platform you can install it but don't transfer your money through your bank account. the good thing is crypto.com you can transfer your money form crypto.com to XXXX unfortunately I transferred all my money, when I want to withdraw, they didn't let me to withdraw my money and made excuses. they wanted to steal more money, they said you have to pay the taxes, I said I will pay the taxes for IRS not for the platform. at the end of the day, they blocked my account in XXXX. I contacted and reported this issue to crypto.com regarding the fraud and scam, but unfortunately, I didn't get reasonable answers from crypto.com. they said when we transferred your money to external wallets, we can not do anything, I am wondering why this big company can not recognize the fake platform with their high security, I am an induvial person how should I recognize the fake platform. and I attached more details in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My credit card ( XXXX XXXX ) offers as a benefit a credit to cover XXXX precheck fee. I renewed my precheck on this card and was not given the statement credit. I called the card customer service several times and they are claiming I purchased the precheck from a third party ( not true, and not possible ) and therefore they will not honor their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: U.S. BANCORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Traded in a vehicle a month ago. Check was sent to US bank from the dealership for the total value of the trade in. Due to the timing, I had to make a car payment on the car I traded in, since they did not receive the trade in payment. No big deal, I was told I would get a cashier Check for the different later on. 

The trade in check was delivered and signed for two weeks ago and still has not been reflected on my account. 

I have called on 5 separated occasions to try and get an update on when I could expect the check to clear and to try and get an update on if the check has been processed. Every time I have called I have been told to call back in a few days and that there is no way for the Check clearing process to be tracked on their end. At this point it has been almost a month and I will have another car payment due for a car I haven't owned in a month.

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 2022-12-26
Company: Experian Information Solutions 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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