BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated 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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX XXXX  with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, 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 2019-02-05
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for a pre-approved loan that was advertised if approved I can use a blank check to purchase a vehicle with only a disclaimer if full amount is not used or vehicle value is overpriced, Navy federal will not honor rate or amount over. I purchased a vehicle through XXXX XXXX in XXXX  on XX/XX/2019 under blue book value and transaction went smooth and drove vehicle back to XXXX. About 4 days later the dealer ( XXXX XXXX XXXX XXXX XXXX ) calls and notifies me of issues with Navy Federal not honoring the check due to Vin number being for commercial classified truck. Navy Federal did not disclose this in their pre- approval instructions and vehicle was a privately owned ( 1 owner vehicle ) used to pull an RV. Navy Federal gave me a run around first stating problems with vehicle as collateral, then directed me through a new loan process, only to deny me again due to loan type not qualifying for vehicle purchase. This forced me to shop last minute for lenders, to include financing through XXXX XXXX, resulting in multiple credit inquiries further sending red flags for other lenders. I am currently in possession of said vehicle, which is already insured privately, but am in limbo while also juggling my military duties. This situation stemming from Navy Federal has caused me undue stress, burden, and damaging results to my credit and I am seeking resolution. I have never missed any payments and have 2 active mortgages, several credit cards balance always paid in full with no remaining balance, and a personal loan which has been paid always on time with additional principle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
I listed my property for sale in XXXX and it went under contract quickly. The closing attorney requested a copy of the title showing Mr. Cooper as the lien holder. According to the SCDMV XXXX XXXX XXXX was still named as the lien holder which I never had as a lender. My closing attorney said they needed to get a duplicate title from the DMV naming Mr. Cooper as the lien holder. I have been in contact with several people at Mr. Cooper concerning this since XXXX. XXXX XXXX has been the primary contact. I also spoke to a XXXX in the escalation department. For a week I have left voicemails with both people and have not been called back. I explained that I can not afford to pay two mortgage payments and that I need to sell my property ASAP. This has held up the sale of my property for 3 months now. I call them at least once a week and get the same answer that nothing has changed. This property was purchased in XXXX and Mr. Cooper has had it since I believe XXXX. The title has never been changed in XXXX XXXX and no one can tell me who the XXXX XXXX XXXX is and why they are on the title. Mr. Cooper has failed to get the paperwork completed and filed when they took this loan over and now I am suffering for their mistakes financially. If you own a mobile home, I would check to see if the title is correct. My attorney told me this is very common for Mr. Cooper to NOT have the title in order and is why he always requests a title before proceeding with a closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: PA
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, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I work as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The organization owes a debt to a vendor. The debt collector, Caine & Weiner states to be representing the vendor to collect the debt in the amount of {$7200.00} and has repeately tried to contact me personally by calling and leaving a voice mail on my personal cell phone ( on XX/XX/2023 ) and sending notices to my home address ( on XX/XX/XXXX. ) My colleague emailed the debt collector from his work email on XX/XX/XXXX asking to send all communications regarding the debt to the organization 's direct phone number and business email only. Today, XX/XX/XXXX I emailed the debt collector from my work email requesting to stop contacting me personally regarding a debt owned by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This issue was resolved almost a year ago and here I am again being harassed by Portfolio recovery. They are again attacking my credit with debt that is not mine and I feel they should be suede for harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Tuesday, XX/XX/2021, I found out that I could not access into my account with Coinbase. I tried several times to login to no avail. On XX/XX/2021, I received a message in my computer from Coinbase acknowledging my efforts to login without success. They said in the message that I will receive a telephone call from Coinbase, to help me to login in my account. On Tuesday, XX/XX/2021, at XXXX XXXX., I received a telephone call from XXXX XXXX identified himself to be an employee of Coinbase and he was calling to help me with the login. He requested my personal information, the password for my email account. He knew my password for Coinbase. He told me that I have to wait to use my password for 12 hours. That he will call me on XX/XX/2021 at XXXX p.m. to verify that all was in order. 
He left a telephone number XXXX XXXX XXXX XXXX. On XX/XX/2021 at XXXX XXXX. I called that number to find out that it was a bad number. On the same day XX/XX/2021 I received an email from Coinbase informing that the {$23000.00} in Bitcoin has been transferred to an unknown person or account. 
It is obvious that someone with Coinbase, Inc. perpetrated the theft of my money. 
I hold Coinbase, Inc. directly responsible for this theft. I request to be reimbursed for my loss forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed 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 explanation
Consumer complaint received 2020-09-28
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:
I sent in a letter to transunion on a bankruptcy that they have showing in my credit file. I requested an investigation in which it came back verified in XX/XX/XXXX. I sent out a letter to request their description of procedure on XX/XX/XXXX and I still have not received any information from this company, required under section 611 ( a ) ( 6 ) ( B ( iii ). I spoke to a rep at transunion and he notified me that they do not have to provide me with this information nor would he tell how it was verified. What he said was it was the federal courts who verified this information. Their website states XXXX XXXX  was the third party vendor for cases before  XXXX. Currently they are using XXXX to verify XXXX and later. I wrote a letter to the courts and also called them to clarify. They state that they do not verify or report information to credit bureaus. It is pulled from public records. This company knowingly gave false information to relieve themselves of their obligated duties to conduct an independent investigation into this matter. They also failed to provide me with their description of procedure and documentation that was provided to them that helped to verify this alleged bankruptcy showing in my file. I spoke with a rep over the phone on XX/XX/XXXX and disputed information again. No less than 24 hours the investigation was " complete '' with no results. The item still remains on the report so I am unaware of what happened in this supposed investigation. This company has a bad reputation of not properly handling disputed and incorrect information. ( Ref. Cushman vs. Transunion 1997 ). This company is very non compliant when it comes to upholding the laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my My XXXX XXXX XXXX, TransUnion credit report., latest credit report shows below credit inquiries that I did not authorize, I am writing to dispute the following inquiries and ask for their removal from my credit report. 

as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 



1- Account name : XXXX XXXX XX/XX/2023 ( I dont have any car or house ) I dont know why I see XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name 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 explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  account # XXXX, and XXXX XXXX XXXX account # 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 604 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 non-monetary relief
Consumer complaint received 2022-07-09
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
0n XX/XX/XXXX I purchased airfare in the amount of {$870.00} from XXXX XXXX. I paid my credit card bill in full and the airfare was on that bill. On XX/XX/XXXX, XXXX cancelled my flight. XXXX elected to only credit the outgoing flight which was {$320.00}, on XX/XX/XXXX. They told me they would " issue a credit '' and were not clear that it was only outgoing. I contacted XXXX multiple times asking how I was going to use a return flight when they didn't get me to my destination. Realizing XXXX will be a hassle, I went through the fraudulent purchase process with Barclays and they issued a credit of {$540.00} on XX/XX/XXXX, case # XXXX. ( The difference between {$870.00} and the partial credit XXXX provided. ) On XX/XX/XXXX, XXXX issued the remaining credit. Barclays hit my credit card with {$870.00} in charges ( confirmed in attached letter dated XX/XX/XXXX ) saying I had to return the credit they issued to me. ( Their credit was {$540.00} ) I've contacted Barclays 3 times. Every person I spoke to ( XXXX XX/XX/XXXX @ XXXX XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX @ XXXX XXXX  ) said I am owed a credit of {$320.00}. The 3 people listed above said they can not issue the credit the " back-office '' department or the " Higher department '' has to issue the credit. They said these departments do not have incoming telephones/telephone numbers and I must wait 1-5 days for them to call me. ( which is why I waited until XX/XX/XXXX and subsequently XX/XX/XXXX to call them back. ) XXXX said he would alert/ escalate and tell hem it is past the time frame. No one has returned my call. Yesterday, XXXX told me to wait another 1-5 days and I advised I would be taking my complaint to you if they did not return my call on XX/XX/XXXX, as I've already waited their 1-5 days, twice. They are looking for me to pay an additional {$320.00} they did not credit to me. Essentially, this is fraud and basic math that a credit card company should have properly automated. 
Every call is at least 30 minutes for the person to research, confirm I'm owed the credit and then tell me I have to wait 1-5 days for resolution, I've done the same thing to resolve this 3 times because they won't let me talk to the " back office/ higher office. ''

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 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake, when they said the payment had been returned. I asked why I was not notified and they said the system doesnt notify because they assume you have the funds. I said that is terrible customer service what can we due to fix this. They said nothing, which brings me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice from LJ ROSS ASSOCIATES , INCXXXX about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, XXXX5 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to LJ ROSS on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XXXX XXXX I sent LJ ROSS another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to LJ ROSS ASSOCATES, INC. on XXXX XXXX for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Good  Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX  and just recently I sent over a 60 non comply letter and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this get handled quickly.

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 2023-11-17
Company: Experian Information Solutions Inc.
State: NY
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: In progress