BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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: American Credit Acceptance, LLC
State: IA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
on or about XX/XX/XXXX, the complainant and my domestic partner purchased a XXXX XXXX XXXX from XXXX XXXXXXXX auto sales in XXXX XXXX Iowa. 

on or about XX/XX/XXXX the XXXX XXXX XXXX was repossessed by American credit acceptance and resold about 3 months later. then on XX/XX/XXXX, ACA charged out the remaining debt through a 1099c absolving us of any debt and making us liable for taxes only to the IRS. 

on or about XX/XX/XXXX, XXXX XXXX XXXX XXXX bought this non-owed debt probably in bulk from ACA, and began their campaign of harassment and intimation. 

on or about XX/XX/XXXX, began reporting negative information on my consumer credit claiming we owe jointly XXXX dollars and have consistently been reporting this negative information for the last 28 months causing both consumer credit reports to drop at least 100 points when no debt is even owed. ( a total of 83 times each on both sets of our consumer credit reports. ) while at the same time consistently mailing collection letters and making collection calls. 
then on XX/XX/XXXX, XXXX XXXX XXXX filed suit against me and my domestic partner in the 5th Circuit district court in XXXX XXXX Iowa. after answering this suit and my Domestic partner promptly filed a motion to dismiss of which a hearing was scheduled about 30 days out. during this 30-day period, i sent a debt validation letter to both the attorneys of record and the company it represented. 

requesting : the original contract between ourselves and ACA ( not attached to suite ) and other things listed in the law suite .

it was during this time I contacted ACA and was informed that the debt was
discharged and a 1099c was filed. a simple phone call.

I promptly filed a motion to dismiss as no debt was owed hearing was granted after XXXXXXXX XXXX XXXX were made aware a continuance was granted then they moved to dismiss but by now both our consumer credit report was in shambles and of this could have been avoided with simple due diligence on their behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Experian Information Solutions Inc.
State: TX
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:
This dispute is for the XXXX XXXX account on my report. It reports Collection charge off when it was never charged off its all reported as a collection until recent. This account balance has been paid in full please remove from my report. Thanks

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 2021-10-29
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello CFPB, I'm at a loss & don't know where to turn to at this point. Let me start with an overview, then I'll dive into my personal experience. 

XXXX XXXX is holding thousands of customers money XXXX in orders that can not be cancelled and marking the funds as " XXXX '' due to these orders. 

This all started 2 days ago when they found an incident that was causing orders to not be cleared. See their status page for details ( https : XXXX ). As soon as the issue was resolved, I put in a limit order to purchase {$3000.00} worth of $ XXXX. I noticed the order wasn't going to be fulfilled as the price was quickly moving up, so I attempted to cancel the order & place a new one. As soon as I attempted to cancel the order it appeared it had worked, but I didn't have my funds to place a new order. After refreshing the application I could see the order was still sitting on their books & my funds were still on hold, but again, my funds are locked " on-hold '' ( https : XXXX ) and can not be used for any new orders or even to withdraw. Here you can see the order is still sitting on their books ( https : XXXX ), but you can't cancel it. If you try to this is the error that gets thrown ( https : XXXX  ). Here is a video of attempting to cancel it, but it doesn't work ( https : XXXX ). Here is what it looks like on their mobile app ( https : XXXX  ). I've contacted them via email & XXXX, but there is still no resolution & my funds are not being released. 

I appreciate your time & effort looking into this matter & hope we can restore thousands of their customers money in a timely fashion. 

XXXX regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing you this notice to update the information in my consumer report. See below for my accurate personal information. 

Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last XXXX SS # : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have lived at this address since XXXX, XXXX Telephone : ( XXXX ) XXXX Please correct my personal information and remove every other information different from the information provided above from my consumer report and mail me an updated copy of my consumer report. 

I appreciate your prompt attention to this matter, and await your reply.

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 2023-04-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureau. The inaccurate information about my inquiry is still on my report. Therefore, XXXX/Equifax/XXXX  have not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry Date XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have a loan with XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX CAPITAL ONE N A ), and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX CAPITAL ONE N A ), and CAPITAL ONE with no XXXXful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: United Revenue Corporation
State: MI
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 filed a dispute for account : United Revenue Corp # XXXX, which is a collection account on my credit report. The credit bureau updated the account which made me ask How did the credit bureaus verify this collection account as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Well far change excessive fees and froze my 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 2023-06-23
Company: Experian Information Solutions 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:
FCRA 605B ( 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 XXXX 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. 


I contacted the bureaus and supplied and FTC theft affidavit, a police report and proof of identity. 
The XXXX XXXX credit card wasnt opened by me. 

The bureaus have failed to follow the FCRA 605b in regards to identity theft and are in DIRECT violation of the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Tuesday XX/XX/XXXX, I was alerted that my Chime Bank Account was being hacked. I called Chime customer service to alert them that it wasnt me. The hacked had accessed my acct. changed my email and phone. The representative help me regain my account access and i assumed XXXX  was fine. with a hour later i got more alerts about my account I called chime again and. We went through the process of regaining my account access but this time the person was able to take all the money out of my checking and savings account. Totaling $ XXXXall in five minutes. Also all while I was on the phone with the Chime representative. Today my account was hacked again no money was taken because it was all taken on tuesday. I called Chime to see what the status of my funds being returned and they told me it could take up to 90 days. I have bills that can t go unpaid until then. Im confused on what type of investigation that need to make that would take that long. I need help! I also wish to prevent this from happening to another innocent person who is just trying to make ends meet as I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: JPMORGAN CHASE & CO.
State: IL
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 balance transfer

Complaint:
I signed up for a Chase Freedom Unlimited credit card yesterday which offered a free balance transfer. I was approved, but my balance transfer was declined due to the transfer balance being from an existing Chase Sapphire Reserved credit card. Chase will not allow balance transfers from existing accounts with them. However, this is not stated anywhere on the application for the Chase Freedom Unlimited card. If I had known, I would not have applied for this card. I have canceled the card, but now I have a hard inquiry and closed account on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sequium Asset Solutions. LLC. 

Sequium Asset Solutions , LLC. is attempting to collect a debt that does not exist with XXXX. 

Further, XXXX XXXX XXXX, XXXX. is breaking the law under the Federal Credit Reporting Act ( FCRA ), overseen and enforced by the Federal Trade Commission ( FTC ). Sequium Asset Solutions , LLC backdated the Collections Account entry to my Credit Reports for XX/XX/XXXX ; however, the collections account was entered into my credit profiles on XX/XX/XXXX, and I had not received written notice of potential debt or any information pertaining to negating said debt. 

Today, XX/XX/XXXX, I received a letter from Sequium Asset Solutions LLC., dated XX/XX/XXXX informing me of the proposed debt. 

The Fair Credit Reporting Act ( FCRA ) protects consumers from this practice in two ways. First, it requires a creditor to inform the consumer when it is reporting negative information about you to a CRA. Second, it limits the amount of time negative information can remain on your credit report. When debt buyers fail to inform a consumer that it has reported the debt to a CRA or falsifies dates in order to park old debt on your credit report, it is breaking the law. 

Sequium Asset Solutions , LLC. has violated the Fair Credit Reporting Act ( FCRA ), which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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 SET OUT ON A JOURNEY TO REPAIR MY CREDIT AND ASK THE CREDIT BUREAUS TO MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 60 DAYS RECEIVED MY INVESTIGATION AND NOTICED EVERYTHING WAS THE SAME .THE CONSUMER REPORTING AGENCIES WHICH IS XXXX XXXX XXXX XXXX AND TRANS UNION DID NOT MODIFY OR DELATE ANYTHING.

THE DATE IS NOT CORRECT THE LAST ACTIVE DATE IS NOT CORRECT ON ALL 3 REPORTS. 
WHICH IS A VIOLATION.THIS IS IMPACTING ME FROM MOVING FORWARD TO BUY A HOUSE FOR MY FAMILY. 

I ATTACHED MY PERVIOUS CREDIT REPORT AND MY NEW CREDIT REPORT TO SHOW HOW XXXX VOILATED MY RIGHTS.

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 2021-10-10
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX at XXXX, {$250.00} was debited from my XXXX prepaid card from Navy Federal Credit Union XXXX The authorized payment was approved with auth code XXXX. 

At XXXX, per my XXXX account details I was changed an {$250.00} from Navy Federal Credit Union XXXX The payment was debited with auth code XXXX. 

That same day, I contacted both XXXX and Navy Federal in hopes of resolving the duplicate payment error. However, I was advised by Navy Federal they are only reporting one payment received from me. Even after providing the authorization codes and dates, I still havent received my {$250.00} back. 

I filed a debit card dispute with Netspend and I feel they did not do a thorough investigation per Regulation E. I also feel that both XXXX and Navy Federal are violating UDAAP regulations as it pertains to the lack of services received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-27
Company: Genesis FS Card Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX ACCOUNT # XXXX XXXX CONFIRMATION # XXXX VERIFIED That this account was up to date with no late payments on XX/XX/23 but XXXX, XXXX, are still showing late payments on my credit report. This company is doing predatory lending with no regards as far as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice that my wages would be garnished for an excessive amount for a car loan from XXXX. The vehicle at the time, was a XXXX and I've been informed that I owe {$18000.00}. Threats of garnishing my bank account 2 months ago prompt me to respond to the court where the company filed. I advised that I had no money for my account to be garnished. 2 months later I get another noticed that my wages would be garnished for over {$700.00} a month. I've contacted the company to inquire about this debt. I've asked if I could see the original sale for this vehicle and asked what the vehicle was sold for after the repossession. No response. I have obtain assistance from XXXX credit repair company to send out letters on my behalf to dispute this charge/debt. I recently got an update on my credit report advising that the balance with this said debt has increased. I'm being excessively charge for a debt that is over XXXX XXXX XXXX and still increasing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

XXXX XXXX XXXXXXXX XXXX Date Opened:XXXX Balance : $ XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Sentry Credit, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX ON FRIDAY XXXX A CALL CAME IN FROM XXXX AT XXXX AM TO MY PHONE NUMBER XXXX. SOMEONE WAS CALLING FOR XXXX XXXX. I TOLD THEM THIS IS XXXX XXXX AND THIS HAS BEEN MY PHONE NUMBER FOR SEVERAL YEARS NOW. AND ASKED WHO IT WAS THAT WAS CALLING ME, THE COMPANY NAME, THE PERSON INSISTED ON ASKING ME AGAIN IF I KNEW XXXX. I TOLD THEM NO AND ASKED AGAIN FOR THE NAME OF THE COMPANY THE PERSON WAS CALLING ON BEHALF OF WHEN I WAS HUNG UP ON IN MID SENTENCE. 

AN INTERNET SEARCH SHOWED NO RESULTS FOR THE PHONE NUMBER I WAS CALLED FROM. SO I CALLED THEM BACK AND TOLD THE LADY THAT ANSWERED THE PHONE WHAT HAD HAPPENED AND ASKED FOR THE COMPANY NAME. SHE TOLD ME WHAT SOUNDED LIKE CENTRUY CREDIT, BUT WHEN I LOOKED UP THE INFORMATION ON THE INTERNET, THERE WAS ALSO A DEBT COLLECTION COMPANY THAT GOES BY THE NAME OF SENTRY CREDIT. 

SO I CALLED THEM BACK AND THIS TIME I ASKED THEM TO SPELL THEIR NAME. SENTRY CREDIT INC. 

XXXX CALLED ON FRIDAY XXXX AT XXXX XXXX  A CALL CAME IN FROM XXXX, ASKING FOR XXXX XXXX. I TOLD THEM THIS WAS XXXX XXXX AND THIS WAS MY NUMBER. I ASKED FOR THE NAME OF THE COMPANY THAT WAS CALLING ME AND I WAS TOLD IT WAS SENTRY CREDIT. I ASKED FOR THE NAME OF THE PERSON CALLING ME, I WAS TOLD XXXX. I TOLD THEM I DO NOT KNOW A XXXX XXXX AND THAT I HAD TOLD THEM THIS THE LAST TIME THEY CALLED ME.

Company response to consumer: Closed with explanation