BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am writing this complaint regarding a fraudulent company named XXXX ( XXXX  ), currently unavailable. 
I was contacted by XXXX who offered an attractive investment and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX  is not regulated in the United States, where I reside. I now understand that XXXX  does not have the ability to provide segregated accounts for investment purposes I acquired Bitcoins from Coinbase.com and transferred that to XXXX. Unfortunately, I have not received any help from Coinbase ( registered in USA ) to recover my stolen funds. 

Thus, I am reaching out to you to consider my case and help me recover the stolen funds. 

Thanks and Regards, Complainants Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX, USA Contact : ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XXXX i sent XXXX XXXX a notice to opt of out any and ALL authorizations i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello. My name is XXXX XXXX XXXX. I have tried to contact a Human person at these credit companies, Trans Union Bureau, XXXX Credit Bureau, XXXX Credit Bureau and Annual Credit Report. I tried all their numbers and called five times over the past two weeks. The automated system for each service will not move me forward to the customer service representative. I am told by the automated system that because I do not have Limited Circumstances I can not speak to a representative.I can not access my credit report as my information is, apparently, not associated with my annual report account. I have been told by a bank that I have poor credit. However, I am XXXX XXXX XXXX and have not established any lines of credit history. I believe my credit information has been either compromised or used by a family member. 

I am very frustrated that I can not talk to a real person at all of these top leading credit companies, all of which hold information associated with my social security number. These companies have access to information that I need to verify and/or correct to see if my Credit has been in fact used by someone else. Can someone please help with how I can reach out to a person for one or all of these Credit Bureaus, please?

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 2023-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred money online from my Bank of America account to my personal account, XXXX XXXX. {$1700.00} I mistakenly selected Bill Pay, selected XXXX XXXX  in my name, and transferred it. However, the money did not arrive at XXXX XXXX, so I visited the XXXX branch and asked a XXXX to confirm it. He gave me his contact information and said he thought the money was sent because I had made the wrong settings. So, I called the phone number they gave me, but they asked who I had paid the bill to and said they would check and contact me, but they ended the call as soon as the interpreter left. There was no contact after that.

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 monetary relief
Consumer complaint received 2023-03-24
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the prompt update of the following items. Thank you. 
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 2023-06-02
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:
Please see attached. The following accounts were already deleted by the other reporting agencies because they were unable to provide proof of verification. TransUnion is held liable to the same duties under the Fair Credit Reporting Act and should not act above the law by any means or I will seek litigation due to violations and injury willfully done by TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: Shellpoint Partners, LLC
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:
I am currently on a 3 month forbearance plan with my lender. Despite this they have reported me negatively to the credit bureaus resulting in a 60 point drop in my score. I am not late, my mortgage has not changed at all and yet they are submitting false information and hurting us yet again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: VA
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've been trying to reach out to experian for awhile now and i never get a response back, but my personal information was leaked in the XXXX data breach.And i would like for the following seven hard unauthorized inquires to be removed from Experian credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Cards XX/XX/XXXX XXXX XXXX XXXX Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Cards XX/XX/XXXX DT XXXX XXXX XX/XX/XXXX XXXX Credit Cards XX/XX/XXXX XXXX  XXXX XXXX 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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police Report, FTC Report, and Affidavit.

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 2018-06-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I feel like Wells Fargo is being discriminate against me because I am XXXX. Wells Fargo can not collect debt that pass the statute of limitation. Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ).

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 2022-05-14
Company: General Motors Financial Company, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Contacted company and credit bureaus and told them I didnt authorize these inquiries. They said the cant remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the date of question ( XX/XX/2023 ) Advance America opened an account by someone else in the amount of {$470.00}, and now it appears on my credit report as a debt collection. I work XXXX hour day shift at a XXXX and that particular day I was working. I do not live in Missouri which is where this account was opened. All three of my credit bureaus were placed frozen for years at my request ; therefore, there should NEVER be any accounts open without my permission. In order for anyone to request any information in regards to my account, I first UNFREEZE my account in which I have not and I never did that. I know nothing about this company or what they do. All of my bills are ALWAYS paid on time and closed once I have completed payment. I have been in great standings with all creditors opened ONLY BY ME! I know nothing and have no knowledge of this company. I welcome this company to provide proof that this account was opened by me ( MY picture, MY signature or proof that this was opened by me. I can guarantee, this company is not able to provide proof it was me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have an Apple card and savings account with Goldman Sacks, which had been restricted for unknown reasons for over a week. I had a missed call and left a voicemail from Goldman Sacks asking me to call back the number ( XXXX ) XXXX. After calling the number I was advised that I need to wait for the call back to verify my identity. It's been more than 1 week and still waiting for a call back to verify my Identity. Even after numerous chats and calls to Goldman Sacks, I was unable to unlock my card, and customer service reps stated there was nothing they can do and asked me to wait for a callback. I think it is unacceptable to lock my card and savings account and have customers wait for weeks for a callback and have no other option to un-restrict their cards. This is a bad practice on the part of Apple Card/Goldman Sacks . It is not fair to suspend customers ' cards and savings accounts and have them wait for a call back from a special department to handle suspected fraud, every major credit card issuer and bank deals with this kind of verification within 1 call. Dear cfpb please investigate the bad practice on Goldman Sacks part. There are numerous complaints on the web with the same complaints, people have to wait months to get a call back from Goldman Sacks in order to verify their identity. Please Investigate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: TX
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 reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX, XX/XX/2017 Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX 15 U.S.SC 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 an account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: SUN LOAN COMPANY INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Sun XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX has late payment information listed inaccurately on XXXX and XXXX. 
ON XXXX they have " 0 '' under number of late payments but on XXXX it is listed as " 3 '' late payments. 

15 USC 1681 ( a ) ( i ) says I can have this account deleted if these erroneous statements can not be verified. 
These reports are dated XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX Bankruptcy XXXX  XXXX, XX/XX/2017 Dismissed # XXXX Bankruptcy XXXX  XXXX Dismissed # XXXX 15 U.S.SC 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 an account without my written permission.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2018-06-17
Company: AMERICAN HONDA FINANCE CORP
State: CT
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:
Honda Financial Services has made several errors on my credit report. I have tried several times to fix these errors with them and through the three major credit bureaus. I have not had any success. I am hoping to get the information fixed. 

The accounts that have errors are : Account # : XXXX - Late Payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX Account # : XXXX - Late Payment XX/XX/XXXX Account # : XXXX - Listed as charge off in XX/XX/XXXX and XX/XX/XXXX. We didn't even own the car anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a line of credit with Bank of America, which has had a XXXX balance for several months. I applied for a mortgage with another bank, and when they checked my credit scores, they found that Bank of America had reported my line of credit delinquent, with a balance due of {$5.00}. My BoA online banking app still shows a XXXX balance on that line, I was never notified of any charge or delinquency. This error on my credit report caused me to miss out on a mortgage refinancing that would have saved me {$10000.00} a year. I tried calling BoA but couldnt get a human on the phone.

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 2019-03-19
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/19 the Quicken Retention team contacted me regarding the payoff request they received. They proposed they could do better on my new the mortgage for my new home I am set to close on XX/XX/19. I agreed to proceed with the application. In the online application process Quicken asked for my realtors contact info so that they could communicate the status of my mortgage with them. I provided my realtor XXXX XXXX 's name & contact information. On XX/XX/19, XXXX XXXX from Quicken sent an email to my realtor ( XXXX XXXX ) and the listing/sellers agent for the property I am purchasing, XXXX XXXX ( email attached ). This email disclosed that Quicken was processing a mortgage for me on the XXXX XXXX transaction. On XX/XX/19 XXXX XXXX was contacted once again by a Property Appraiser contracted by Quicken to appraise the property. He verbally disclosed he was contacting her to access the XXXX XXXX property for an appraisal for my loan with Quicken loans. At NO time was I asked for nor did I grant permission for Quicken to disclose my relationship with Quicken to XXXX XXXX. I believe this to be a GLB Privacy Violation. On XX/XX/19 I spoke with XXXX XXXX at Quicken 's " Senior Research Executive Offices '' regarding Quicken 's contact with XXXX XXXX. She explained this is part of their regular business practices to contact the realtors on both sides of the transaction. When asked how they obtained the sellers agent info ( as I did not provide it ) she did not respond the question. When pressed about privacy concerns regarding contacting an unaffiliated 3rd party without my consent/permission she stated she is not an attorney and could not comment. At that time I stated she and I had nothing further to discuss and I would submit the complaint to the CFPB for investigation. It is important to note I would not normally be submitting a complaint. However, from my perspective the dealings with the selling agent has been strained and contentious at best and the actions of Quicken have only served to further complicate the transaction & communication. I understand Quicken would have no way of knowing the struggle we have been having with the sellers agent, however that just goes to show why it is important for them to follow GLB Privacy and ONLY contact 3rd parties in which they have express permission from the applicant/borrower.

Company response to consumer: Closed with explanation