BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX - Opened XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX  # XXXX Opened XX/XX/XXXX Account name : USDOEXXXX  # XXXX - Opened XX/XX/XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX These accounts have 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.

15 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.

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: VA
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:
XX/XX/2021 Certified Letter Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Request Demand for Response My name is XXXX XXXX. I am contacting you on behalf of myself and no one is assisting me. I have contacted via certified mail Equifax, XXXX, XXXX on 3 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 15 USC & 1681 c-2 Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/2018 I made a charge of {$3500.00} for an upcoming XXXX. on XX/XX/XXXX the rest of the XXXX charge of {$3500.00} was made. I have a credit limit of {$7000.00} and almost {$9000.00} in credit on the card since I sent in the money to cover the upcoming medical charges. Every charge on the card since XX/XX/XXXX when the {$3500.00} was charged is in pending, 5 charges to date are sitting in pending. 

When I called their customer service ( in XXXX ) I am told that the charges are in pending because the merchant has not collected the money. That makes no sense so I asked to speak to a supervisor who kept saying the same thing. She did admit it was odd so many charges were sitting in pending when I have all my credit limit available and a credit on the account. She said they have no one to investigate this type of issue and there is nothing they can do. In the mean time no one is getting paid and I can not use the card because every charge will go to pending. If I do not get my XXXX I could die, but no one at CITI cares.

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 2023-06-25
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection on my XXXX report that is not mine. I tried to disputing it with the company and they said account was verified, even though I have no knowledge of this account and never even paid this account one time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Consumer financial Protection Bureau This is regarding my mortgage with Selene Finance I logged into my account this morning and i see I have XXXX late fee due with my XX/XX/XXXX payment I called XXXX and they were unable to tell What this is XXXX 

I already payed a XXXX corporate fee with my XX/XX/XXXX payment ( explain to me for what and when was this corporate fee for?? I want proof that what you said Was done was actually done ) I already payed a XXXX NSF fee I was told my late fee that I received for making my XX/XX/XXXX payment was waived. 

They just keep on adding on fees with out an explanation and when you call them the CUSTOMER service rep says " they dont know '' XXXX please answer the following who is my investor?? 

And is my loan A government-backed loan?? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XX/XX/2021 Certified Letter Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Request Demand for Response My name is XXXX XXXX. I am contacting you on behalf of myself and no one is assisting me. I have contacted via certified mail XXXX, XXXX, Transunion on 3 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 15 USC & 1681 c-2 Identity Theft

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 2023-06-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I not only have tried to take care of this through USAA but I have also sent in writing a recap of what all has transpired to you the Consumer Protection Agency in which I mailed XX/XX/2021. I had sent USAA two prior notes with no response back in writing. As noted in my correspondence to you and USAA, I have always had impeccable credit and pay all my bills in time and very disappointing and frustrating that this has not been taken care of and has affected my exceptional credit rating and report. 
Please let me know if you have opened and read my letter that was mailed to you that explained the situation. 
This has been very frustrating for me that no one takes care of their business. I owned a business for years, and if I would have handled my business like this, I would not have lasted a month. Very sad where service and accountability with this country have gone. 

XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-26
Company: Delmarva Collections, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote Delmarva Collections a verification letter about a debt on my credit report and mailed it by certified mail on XX/XX/2018. I received in the mail yesterday a response with my original letter with the words written on it, " account #?? ". I do not know my account number. I thought sending my letter back with words written on it was very unprofessional. I am an consumer trying to get a debt collector to verify a debt that has been posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: R.M. Galicia, Inc.
State: CA
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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I am writing to report that Coinbase misrepresents fees during conversions from XXXX cryptocurrency to another type of cryptocurrency. When performing a conversion, the user interface states that the Coinbase fee is {$0.00}. However, they are clearly charging a percentage of the total transaction as a fee. 

This can easily be determined by downloading a user transaction report. There is a fee column, and it usually equals 2 % - 3 % of the total USD value of the transaction. 

I contacted Coinbase XXXX and Complaints seeking clarification. They stated that the difference is due to market volatility, and that they are not charging a fee. However, there is clearly a fee column on their transaction log. Also, market volatility would not create such a reproducible result. If it were due to market volatility, this would some time favor the end user. That never occurs. 

I will attach the transaction logs to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Genesis FS Card Services, 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:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: American First Finance, 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: Old information reappears or never goes away

Complaint:
It has been 7 years since and I was told it would be removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Synovus Bank
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a checking account sent to collections and Synovus Bank never called or sent me a letter regarding the account. I was never told that I owed them money, and I would certainly have paid them if I was told.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: PA
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update these immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It is the third time I am submitting the complaint since this is the only way I can get some responses related to the issue itself though the problem has never been fixed. Don't ask me to call your stupid customer service. In the past more than one year, it has never worked even tiny little bit. 

The first time I submitted the complaint in XXXX and the case number is XXXX. And then I am not satisfied about what you have replied, so I filed another complaint in XXXX, case number XXXX. Then another three months passed, it still doesn't work at all. 

I'am tired to repeat what happened over and over again ... .I know you can find these cases so you can refer what happened and what request I have. 

Here is the last response from your side. 

As stated in our enclosed letter dated XX/XX/XXXX, we placed a hold on your account and online user ID due to irregular transaction attempts observed by our bank on XX/XX/XXXX. Our prior response also explained the remaining funds from account ending in XXXX, totaling {$2000.00}, were placed into a general ledger account held within the bank, as the funds will be returned to the originator. We suggested that your friend contact their payroll department, who can work with their financial institution, and request that they send us the appropriate documentation. As a courtesy to you, a request to return funds has been sent to XXXX XXXX XXXX, on XX/XX/XXXX, on yours, and your friends behalf. Once we receive a response back from XXXX XXXX XXXX, we may return the funds to them. Please understand this is a bank to bank process which often can take several months to complete. Being a bank to bank process, the details and status of this process can only be discussed with the originating banks. 

I think the situation is pretty clear and I don't understand why your side made it such complicated. I provided all evidences to support everything I said is true and you should simply return my money to me. Even if as you said you will return it to originator, why to me it will take like a century long? Tell me where the money is, and does XXXX  replied you, if not, how long it will take for them to replied you, three months is several months, and three hundred months are also several months. You say " we may return the funds to them '', which means if they don't reply, you will hold it forever and never give me back? 

I am your customer, don't treat me like I am a thief. It's already beyond my tolerance. I can wait but I want to emphasize I need the problem completely fixed ASAP.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: CO
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 have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

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: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Because of my divorce I am unable to open an account with XXXX XXXX XXXX  company and I am in need of an account my ex husband was supposed to pay them off and never did

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Monterey Financial Services LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX from XXXX XXXX and financed it through their creditor XXXXMonterey Financial Services . The terms were No interest if paid off within 90 days. Autopay was the only payment option given. On XX/XX/XXXX I made a payment of {$410.00} dollars to be applied to the principal. Because it was an Automatic Payment, I made account for it In following months, but never realized that they were using that {$410.00} towards the monthly payments instead of toward the principal. In XXXX of XXXX, I was expecting to pay off the loan, thinking that it would be around {$1300.00}. When I checked, it was nearly {$1600.00}, with none of that {$410.00} applied to principal. Because I couldnt end autopay, I had to close that checking account. I lost my job in XXXX and had to take a job at more than XXXX  XXXX less than I made before and have been struggling to meet all my financial obligations, now. The payment was XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Open the account with XXXX. Deposited a check for XXXX drawn from the XXXXXXXX XXXX XXXX  XXXX in USD funds on XX/XX/2022, the bank told me it would take 4 to 6 weeks for the check to clear. Found out that the XXXX XXXX XXXXXXXX XXXX has issued the funds to my US Bank account 3 weeks ago. The funds are not entered into my account as of yet. Have had two domestic wire transfers into my account totaling XXXX. So there is a total of XXXX that should be in my account. 
I've tried making some transactions on my account to take care of my business and the US Bank has put restrictions on my account so I'm unable to take care of my business.

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 2016-10-14
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had a short sale in XXXX, it was paid and closed XXXX ... Well since then Nationstar has reported it FORECLOSURE paid, and reported a 120 day late payment in XXXX and another one this year XXXX!!! This account has been closed and paid since XXXX and they are affecting my new VA loan right now because they are reporting seriously inaccurate information. They are in violation of the FCRA. I have disputed it and they have not fixed it and they continue to do new updates.

Company response to consumer: Closed with explanation