BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As requested by PenFed Credit Union, I forwarded the XXXXXXXX XXXX Installment # 2 tax bill on XX/XX/2022, the day I received it from XXXX. The bill showed both a gross amount due of {$4600.00} and a discounted amount of {$4400.00} if the bill was paid by XX/XX/2022. 
PenFed did not pay the property taxes on my mortgage prior to the discount due date. Since they did not pay by the discount due date, I have incurred an additional {$200.00} in tax payments. My account statement seems to indicate that they will pay in XXXX, by which time I may have incurred late payment penalties. I have asked that PenFed pay the additional {$200.00} and any previous additional amounts associated with missing the discount deadline dates. 
I have offered to take over the tax payments since I am clearly more responsible than the tax serving folks at PenFed. I have been told that " senior management '' will get back to me by about Friday, XX/XX/2022. This is not acceptable turnaround time.

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 2021-05-05
Company: Coinbase, Inc.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I received an email telling me my coinbase account password had been changed. I had not done this, so I called there support number. I was told by a recording that only card members could talk to customer service representatives. I locked my account through the recorded messages. I took the steps to recover my account. After they reviewed it they said they would would send me a verification code. The last 2 digits shown for the phone they where going to send it to where not correct. Somehow someone had changed the phone number on my account. There is no way to call customer service and talk to a representative. I have sent emails, submitted a ticket, and sent messages on XX/XX/XXXXand XXXX and I haven't heard anything from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30
Company: EQUIFAX, 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:
Equifax while experiencing " maintenance '' issues for 15 calendar days,24 hours/day was unreachable online to conduct a dispute.I called their '' fraud dept. " at XXXX to conduct the dispute.They refused to conduct a dispute because they failed me on account balance questions that vary every single month, and since XXXX can not produce an Equifax credit report I can not see the answers to their unschooled questions after having to listen to XXXX instead of English for 15 minutes, therefor I am here today.

On Equifax bureau, XXXX XXXX/XXXX  ACCOUNT NO. XXXX IS REPORTING INACCURATELY. 
THE CREDITOR TOLD ME ON THE PHONE THAT THEY WOULD TAKE CARE OF IT, BUT HAVEN'T .... POSSIBLY ( IT COULD BE EQUIFAX ERROR ) THE ACCOUNT IS CLOSED AND THERE IS 0 BALANCE NOT ... ... .OPEN AND {$75.00} BALANCE.CORRECT OR DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CAPIO PARTNERS LLC XXXX FLORIDA HOSPITAL XXXX XX/XX/2018 {$8600.00} {$8600.00} is attempting to collect and report to my credit a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-23
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been waiting almost 3 weeks for my unemployment card that my job filed for me to receive. I have been trying to contact the card company and my local office even online I just need to know if my card is even coming I am contacting you XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, a collection of {$230.00} appeared on my credit report regarding an account that I don't own, and I have never opened a XXXX account. I contacted collection agency ( CCS ) on XXXX, and learned that the report was filed from XXXX against an account I do not know about, and do not own. 

However, what I also learned was that the account owners name was not even my name, yet somehow XXXX & CCS claimed it was me owning them the debt. 

I filed an report to XXXX as directed by CCS on the same day ( XXXX ), and have kept in touch with them every day since XXXX does not disclose investigation progress anywhere else except for phone calls. Every call, XXXX either came back with asking for more information that has been provided to them, or downright saying they are still investigation without providing any more detail. I also asked to speak to the supervisor, hoping to explain the situation clearer, but the customer service never allowed me so, and always refuses to connect me to anyone else while not providing any useful information. 

The collection still appears on my credit report, and the collection agency says they would only remove it from XXXX requests while XXXX representatives are not helping at all. It has drastically impacted my credit score, and is preventing me from even renting an apartment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have sent bank statements as well as copies of checks to the bank Been trying to resolve issue since XX/XX/2020 Even filled out paperwork they sent me and emailed it to them That was XX/XX/2020 Received a letter saying they received it and nothing else Then again they sent me paperwork to fill out I am working extremely hard on my end to get this fixed yet it seems they are doing nothing except keep threatening foreclosure I have showed through statements and check copies that I am behind one month yet they insist it's three months I need to get this all fixed I have owned this house going on 21 years Been paying outrageous interest of 7.35 Have had many issues with this mortgage company Explained to them I fell behind and caught up then pandemic hit which was a rough 2020 but have been paying consistently for over 6 months now I need this taken care of not ignored.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am a victim of identity theft. I filed the correct paperwork with the FTC and the police and submitted them with my disputes. They have not done the disputes correctly and not attached the paperwork to the disputes. I have not gotten copies of the verification process

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 2021-12-18
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:
NEED to provide proof that I have given authorization of an accounts on XXXX/XXXX/2021 on my file. This letter is to notify It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.

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 2021-12-18
Company: EQUIFAX, 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:
NEED to provide proof that I have given authorization of an accounts on XXXX/XXXX/2021 on my file. This letter is to notify It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! And I requested a delete these items as soon as possible! And your company failed to remove unauthorized accounts on my credit report on XX/XX/2021. The items I need deleted are listed in the report. I stated I an a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: WELLS FARGO & COMPANY
State: CA
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 am a victim of double dipping by wells Fargo and I tried talking to them I was informed that they can charge whatever they want.

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 2023-09-20
Company: EQUIFAX, INC.
State: VA
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
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 credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: EQUIFAX, INC.
State: TN
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:
MY INFORMATION WAS USED TO GET A CAR WITHOUT ME KNOW THIS ACCOUNT DOES NOT BELONG TO ME AND MY CREDIT HAS BEEN NEGATIVE BECAUSE OF IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: CO
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 bankruptcy with my husband, because he had to file and he was given misinformation that I had to file with him. I ended up dismissing out of the bankruptcy. This was six years ago. Since then, the credit reporting agencies had listed my existing mortgage as closed. I worked with XXXX and XXXX and they fixed the problem. Experian is refusing to give me credit for the house that I have owned for 13 years and am currently sitting in as I type. I tried to do a dispute, where they said they would contact the mortgage holder, XXXX XXXX XXXX. This was on Sunday, XX/XX/XXXX ( when I noticed that I was still not getting credit ). They closed the investigation on the same day. So, I know they did not contact XXXX  XXXX XXXX, as they are not open on Sunday nights! I want the credit that I deserve!

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-10-17
Company: Credit Karma, LLC
State: MA
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 do an extension for my auto loan when i was leaving the country for vacation. I did not get a piece of paper i needed to sign and return to make it happen. So i made every payment since then for my account but because i did not make that one it has been showing on my credit score as 3 missed payments which is not correct at all. 1 missed month but it wasn't even missed in reality. They just didn't tell me about the piece of paper i needed to sign because i would have told them i will be gone for a month and not able to get the paperwork anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Ally has stolen my property, refuses to give me my title as my car is paid off. Ally Auto continues to violate my rights, causing me massive stress, grief and loss, and also continues to violate my demands and request according to the FCRA. Ally has confirmed the car is payed off via email. ( see exhibits ) Ally received my certified mailed billing error Notice ON XX/XX/2022. I received on XX/XX/2022 a correspondence from Ally acknowledging receipt of my billing error notice and promised to respond as soon as possible ( see exhibits ) with an investigation on account ending in XXXX which BELONGS TO ME via originating my credit card ( 15 usc 1602 ( l ) Ssn # ) by financing on this consumer credit transaction. INSTEAD of responding back with a correspondence/investigation THEY STOLE MY PROPERTY ON XX/XX/2022 Which is a criminal offense and also in violation of 12 cfr 1026.13 ( b )

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 2023-05-20
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX {$710.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX # XXXX {$24000.00}, XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX {$12000.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX {$2100.00}, XXXX XXXX XXXX XXXXXXXX {$1400.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
AES Team, I was informed about the XXXX Loan Forgiveness program a few years ago by AES reps on several seperate occasions. However, I was not properly informed about all the features of this program ; specifically XXXX Loan Forgiveness Forbearance. I was not properly informed that during the 5 year period, you can annually apply for forbearance while completing the 5 years eligibility at a XXXX XXXX XXXX. I was told my only forbearance option was General Forbearance which lasts less than 1 year. Had I been informed of this during the initial consult with AES reps I would have immediately applied for this special forbearance annually. 

I am now finishing up my 5th year at a title 1 school and are ready to have my loans forgiven. However, I am requesting retro active forbearance for 4 years ( XXXX XXXX ) in which I was eligible for the XXXX Loan Forgiveness Forbearance but was not advised of my eligibility for it. The XXXX loan forgiveness forbearance was the BEST repayment option for my specific circumstance over the past 4 years and AES failed to advise me of that. As a result, I have 2 90 day late payments on my credit report that could have been avoided had I been given correct information by AES reps. 

I know AES is all about helping its customers whos loans it services have the most pleasant experience ; especially its XXXX who serve in XXXX XXXX XXXX where we serve children from difficult life circumstances. I know AES has the best intentions to offer solutions to make the repayment process pleasant. However, the ball was dropped in my circumstance. 

This retroactive forbearance would rectify the unfortunate situation of not fulfilling their duty to inform me the best forbearance solution over the past 4 years. I know this is an abnormal request. However, given the extent of the circumstances I think you will agree that my request is fair and something that I am more than eligible for and entitled to as a XXXX XXXX XXXX that was not properly informed. Thank you for your time. 

I have tried on several occasions to rectify this with AES directly to no avail. 

Forgiveness Forbearance A XXXX  Loan Forgiveness Forbearance can be requested while you are completing the 5 years of teaching service at an eligible XXXX XXXX XXXX. The forbearance will be applied in 1 year increments, so you must reapply annually.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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