BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act. Transunion violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Transunion to reinvestigate this inquiry and verify on my consumer report if I have an account with them. 

TransUnion Case # : XXXX ( Remove False Inquiry ) Inquiry name : XXXX XXXX XXXX However, they stated everything was complete and accurate. So instead of them actually reviewing the actual consumer report they have on me they reached out to the XXXX XXXX XXXX to ask is " someone '' inquired to them. But how is that possible if I do not have any listed accounts ( credit card, installment, or anything ) with XXXX XXXX  XXXX. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During COVID Bank of America offered a forbearance. I asked that if I used it would the payments be put at the end of my mortgage. I was told yes over the phone. I received letters stating you owe such and such amount. I would call and ask and was given the reply that yes I was on a forbearance and would not have to pay until the end of my mortgage. This would happen about every three months. The forbearance was up in XX/XX/XXXX. At that time I resumed payments. From what I had been told I was sure the payments I was making were for the months I was making them in. 
I called when I saw online that my current payments were being used towards the XXXX payments that had been in forbearance. When I asked why that was as I had been told they were going to be put at the back end of the mortgage I was told that things had changed. They are now telling me I have to come up with all the money or they can foreclose on my house! 
This seems criminal to me. Had I been told that in the first place I would have borrowed money rather than use their forebearance plan. They have been charging me XXXX % interest rate as it is which seems like usury. I am not a young person and Im on Social Security. I dont know any place where I could get a new mortgage at this point. Please help. I just want them to put the payments at the back end of the mortgage like they told me they were going to do.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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The listed items below are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within XXXX days. I am awaiting your response. The following items must be deleted : XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX.

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 2019-12-03
Company: AmeriCollect
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:
Americollect agreed to send a letter to all credit reporting agencies to remove and they have not stood by that agreement. 
I have filed a complaint before on this company. 
I have a copy of the letter from Americollect agreeing to remove the debt. 
It has been over 30 days since I received the agreement to remove from the collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Since XX/XX/2020, I have filled 3 times a dispute asking for a removal of remarks of delinquency reported by XXXX XXXX. Each time TransUnion sends a letter with the resolution in my favor and an updated report. The problem is 30 days later the remarks appear again in my report. TransUnion says there is nothing they can do if the creditors send the remarks every month. This last part clearly violates federal regulations that states : " If the provider continues to report the item you disputed to a credit reporting company, it must let the credit reporting company know about your dispute. And if you are correct that is, if the information you dispute is found to be inaccurate or incomplete the information provider must tell the credit reporting company to update or delete the item. '' The item under dispute is a missed payment remark from XXXX when the loans were under forbearance. I have disputed this with XXXX without any luck, even though my evidence is a letter from them stating the the accounts were under forbearance in the same period they claim there is a missed 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 non-monetary relief
Consumer complaint received 2023-05-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was a victim of a fraudulent inspection from dealership and inspection station and have the right to return the vehicle I put in claim and Wells Fargo still havent gave me provisional credit or refund for the fraud issue and I feel like they been stealing from me to with my bank account always low for no reason Everytime I deposit something then I be negative the next day the dealership did deceptive trade practices pertaining to me

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 2021-03-11
Company: Coinbase, Inc.
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Your withdrawal has been canceled Withdraw Again Your withdrawal for XXXX BTC to XXXX has been canceled for the following reason : You currently only have XXXX BTC available ( {$0.00} ). 

If applicable, please make necessary adjustments and try again.THIS IS WHAT I HAVE Available Qty XXXX of bitcoin Balance XXXX i tried to withdraw the funds today XX/XX/2021 this is the second complaint with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I went to review my credit report last year and saw a bankruptcy that didn't belong to me I disputed with credit bureaus and also XXXX XXXX since they were the 3rd party that supplied the information XXXX XXXX agreed it was an error and deleted it off my report., XXXX  deleted it after disputing and sending in my documentation. It is still showing on my Experian and XXXX  credit report. I was told I they verified the information with the courts and I would need to contact them, I contact the courts in writing that was listed and they stated they do not provide any information to the credit bureaus and I would need to contact them to dispute. I sent that documentation in and I was later told they verify the information with a third party ( XXXX XXXX ), who already deleted it from my file and also have file a dispute with the credit bureaus on my behalf and was never responded to. I've had XXXX XXXX file twice a dispute and no one has responded to them. I have had no issue with 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 2024-01-03
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a fraud alert from Regions regarding a debit to my account from XXXX XXXX. I promptly responded to the alert, informing Regions that it was fraudulent as I do not use XXXX XXXX for any reason. The alert successfully prevented six charges from being processed, but unfortunately, three charges did go through and were posted to my account. I disputed these charges with Regions, but XXXX XXXX responded stating that the charges were valid, despite my inability to access the account. XXXX XXXX charged my account three times for a total amount of {$43.00}. Additionally, there were other charges posted to my account prior to these that I do not recognize. The company responsible for the purchases is based in XXXX. As of now, I have not reached a resolution, and I have filed a police report, although I am unsure of its effectiveness.

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 2023-04-02
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:
I requested credit bureau multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA. They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
when I purchased my home thru wells fargo in XX/XX/XXXX I was required to purchase flood insurance and it was required that it be included in escrow, This year XX/XX/XXXX I got contacted by my flood insurance company XXXX that wells fargo said they didn't escrow flood insurance and would not renew my policy on the renewal date I called wells Fargo and talked to the insurance department and was informed on recorded line that flood insurance was no longer required on my property and they were issuing a refund of extra escrow, i asked for a document stating this well fargo then called me back as a result of my inquiry and was told that i was required to have flood insurance and was sent a letter dated XX/XX/XXXX I had flood insurance and escrowed and they were to pay it, they let it lapse, and now I am without flood insurance since XX/XX/XXXX, I reported it to company and they are doing a internal investigation but will not give me names contact info or anything in writing regarding this mishap on their part they let my flood insurance lapse and get canceled, now they are telling me i must provide flood insurance

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 2023-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear TransUnion Bureau, There are some Fraudulent Hard Inquiries on my credit report, I already have notified the lenders that it wasnt me who applied and made sure no new fraudulent accounts were opened. I called you several times and informed you about fraudulent applications, but these inquiries are still being reported on my credit report. 

Im enclosing the Identity Theft Report to this letter. I didnt file these inquiries, please remove them from 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: Lennar Financial Services, LLC
State: GA
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:
Lennar Mortgage LLC XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/2020 the above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. THERE ARE TWO INQUIRIES ON SAM DAY XX/XX/2020. 

XXXX RESPECTFULLY ASK, REMOVE BOTH THESE INQUIRESS FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****

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 2021-03-11
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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:
Negative event on credit report. Never contacted regarding billing for unknown service. Tried to call and discuss company wanted too much personal information. If the company can post to my credit report they would have obtained the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Repeatedly contacted Nelnet regarding inability to login to account, but have not received login information. Further, I wish to delay repayment during on-ramp period, but Nelnet continues to send me increasing bill statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a the predetermined cycle of client losses to gains. 
Money was transferred from my account via wire, and through an intermediary named XXXX in the total amount of XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account in Coinbase which is a cryptocurrency exchange. They locked my account in early XX/XX/2021 and I am not able to withdraw money, buy, sell or convert crypto. 
I filled out tickets three times and sent to Coinbase support, but every time they said that your case has resolved ; and closed my case without any solutions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11
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: Account status incorrect

Complaint:
Let me start out by saying I give the CFPB written permission to act on my behalf concerning this complaint. I recently checked my Experian report and noticed that XXXX XXXX account # XXXX has been charged off twice. The first time the account was charged off was in 2017 and now it's being charged off again in XXXX of this year! This has to be a violation of the FCRA done with the purpose of damaging my credit by trying to pass off this old account as a new charged off account. Isn't this highly illegal and Experian should be punished for a blatant distortion and manipulation of my credit report. The last time I filed a complaint they came up with a weak excuse for not dealing with the complaint that got your agency to drop the complaint. This is why I'm making sure you have written permission to handle this problem along with any other agency you deem necessary to handle this issue. Please don't accept any watered down excuse given by this company. If you can't or won't help please direct me to an agency that can get to the bottom of this. I have requested the verification information and how it was obtained. That request has been ignored each and every time it was requested. That has to a violation of FCRA rules too! Someone has to hold these people accountable for the way they handle these accounts.

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 2021-07-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
experian has computer problems regarding its online dispute system ... ... for the last 24 hours I have been unable to upload supporting documents for disputes submitted yesterday. 
they are important documents so I have scanned them here. 
1.an ftc id theft affidavit 2.a letter from XXXX XXXX saying they have told experian to remove a XXXX  account which still appears on the bureau report today.

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