BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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 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 2023-04-18
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is regarding Rocket Mortgage. 

I recently had only been paying my principal, interest, and homeowner 's insurance. As of last week I received a letter that RM would charge me monthly taxes in escrow until I could provide a bill " through XX/XX/XXXX '' - the Tax Office confirmed that they can not provide this bill now as its in future state and won't have one available until XX/XX/XXXX. 

However, I did provide a current statement showing where I owed XXXX taxes for XXXX, reflecting the XXXXXXXX XXXX XXXX  status listed on the bill, along with a letter from the Tax Appraisal office ( attached ). 

At this point Rocket Mortgage is proceeding with raising my mortgage from XXXX per month to XXXX per month rejecting the letter from my Tax Appraisal District and Tax Office Statements. This will place me in a financial bind obviously. I've done my due diligence in calling both Tax Office, Appraisal Office, as well as escalating with Rocket Mortgage. 

The only exit I have currently is paying up my balance with Rocket Mortgage to a XXXX, and then there is still no garauntee that I can lift RM from escrowing my taxes and allowing me to manage myself. 

What options do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My employees moved out of the apartment 3 days before the end of XX/XX/XXXX due to continued infestations of roaches and other pests and lack of maintenance on the apartment. This was an issue since move in. Apartment company allowed us to leave and sent a confirmation email stating the account was closed due to circumstances and they would contact us if anything further was required. Never received any follow up even after requesting. Four months later they put a negative score on my credit for not paying the month of XX/XX/XXXX and in XX/XX/XXXX was contacted by Columbia Debt Recovery DBA Genesis Credit for debt recovery. I never received emails or letters of the proceedings while having proof the account was closed. I need this removed from my credit completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XX/XX/XXXX company XXXX XXXX do by XXXX XXXX Dispute collections {$2700.00} called XXXX XXXX explaining i never had such account. ask for proof and factors of establishment in my name, ss, dob, address and exct...

Dispute for clover commercial this account is collections {$5700.00} for auto loan I volunteer this vehicle because of financial difficulties clover sent and balance of {$3000.00} after vehicle was sold at auction. I've called clover commercial several times asking of balance difference and why the account still open and says current on payments now 120 day late payments. 

I have extended fraud alert since XXXX and all credit boroughs are frozen I've been working hard and diligently on approving my credit report and score. I should not have inquiries, collections or closed accounts on my credit report. There should only be ( 1 ) child support account, ( 2 ) school loans, ( 3 ) credit card accounts navy Federal credit union and premier bank which this account is closed ( 1 ) trade line credit strong.. 

I Appreciate your time and I thank you in advanced for helping in resolving this situation. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Actually the vehicle loan is for my husband and they called me multiple times as far I know they can call once looking for someone they have called multiple times today. I am also on the XXXX and I double checked why is the bank calling me for a loan my husband had before me I have no interest or liability on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Credit Bureau Systems , Inc. dated XX/XX/2022. It stated, " If you do not apply within 30 days of the mailing of this notice, it is our intent, to file a lawsuit and seek a judgement against you. '' The letter further goes on to state ( in bolded font ), " The above actions will not be taken sooner than thirty ( 30 ) days from the mailing of this notice. '' I however received a letter from the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX dated XX/XX/2022 stating they were notifying me that they have been instructed by Credit Bureau Systems , Inc., " to prepare a lawsuit against you regarding the attached medical bills. This action is being taken because, despite previous notices requesting payment, you have failed to make payment on the debt. '' Credit Bureau Systems , Inc. did not give me 30 days from the mailing on XX/XX/2022 to respond, apply, reach out, etc. before I received a threatening letter from a local attorney 's office. 

The Credit Bureau Systems , Inc. letter dated XX/XX/2022 only addresses ( Reverse side of letter ) legal action against a balance of {$5200.00}. Whereas the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/2022 addresses legal action against a balance of {$7800.00}. 

I did not receive notice from Credit Bureau Systems , Inc. about the potential for interest to be accrued in their XX/XX/2022 letter, the letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/2022 has in the subject line : " {$7800.00} plus interest from XX/XX/2022. '' The topic of interest is not discussed in any further in this letter but grossly assumed. 

I also received a Settlement Discount Program letter dated XX/XX/2022 from Credit Bureau Systems , Inc., authorized to offer certain tax season settlement discounts to XXXX XXXX patients. This offer was allowed to me if I responded within 30 days from the date of notice. However, I received the " Legal Action '' letter from Credit Bureau Systems , Inc. dated XX/XX/2022, less than 30 days of the dated Settlement Discount Program offer letter. 

Furthermore, XXXX : XXXX XXXX XXXX XXXX XXXX failed to mail multiple bills to my mailing address. I did not receive or was made aware of different bills totaling at least or at minimum {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Student Services
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Not my accounts lakmte never dont reconogzing account delincuency

Company response to consumer: Untimely response
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In my credit report, there are XXXX accounts that belong to a different collection agency than the one I first signed with. I did not initially sign for either of the XXXX accounts under the collection agency XXXX XXXX XXXX. The account with the {$890.00} balance and the account with the {$760.00} balance belong to a different creditor, and I had no idea that my information was being shared, much less sold, to them. The third business, XXXX XXXX XXXX, is charging me {$110.00} ; I haven't signed a contract with them either, and they have access to my debt and data without informing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2023-10-22
Company: Park Hill Holdings
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Corelogic submitted inaccurate information to XXXX XXXX XXXX Concerning tenant screening, which caused me to have my application being denied.

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 2023-07-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This card is from XXXXSynchrony Bank for CareCredit. I have had this card for many years and have never experienced this level of frustration! The only reason that I have this card is for the XXXX XXXX  promotional credit. I have never missed my deadlines and have always had the opportunity to make additional payments to the principle that always pays the oldest balance first and the one that is going to expire soonest. I have had my card on autopay for many years and when I am able to see which promotion is going to be coming due I make an additional payment to the principle. Since XXXX of this year I have been struggling with my online account and with customer service. It has been a complete nightmare! The login prevents me from seeing my statements, my payment history and enough activity to complete my own due diligence! I have told them this many times and they offer to send a paper copy. They sent it once and it was not the complete package of months needed and it still doesn't answer why I am denied access and why I have to call 60 days in advance to allocate payments to the principle. I need to be able to make the payments online as I always have. They have told me that my additional payments to the principle will be applied at their discretion and not at mine despite me needing them to be applied to the oldest balance first that is coming due. They are deliberately applying all of my payments monthly and additional principal in the wrong order. The little I have been able to see they have applied over {$300.00} to a balance that is coming due in XXXX and on one that is coming due in XXXX not one penny! This is NOT what I have asked for and they continue to make mistakes and control my money at my expense! I should have never missed my last promotional balance and instead they applied my payments incorrectly and caused me to miss a very expense deadline and charged me egregious XXXX XXXX interest retroactively. I feel that this is intentional or flat our negligence despite my many calls telling them this is WRONG! Please Help!

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 2021-01-16
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
My English is very poor. I ask for your broad understanding. 

Transaction Date : XX/XX/2021 Time : XXXX XXXX  Transaction Amount : {$2000.00} USD = XXXX XXXX Nowadays, it is possible to buy cryptocurrency on XXX crypto exchange, After hearing the news, Many people trading through XXX crypto exchange and so do I. However, Exchange rate of XXX crypto exchange is not fair and unfavorable to users. In particular, the market price of Bitcoin has fluctuated significantly over the past two days, XXX crypto exchange is trading at a significantly higher exchange rate than the real-time market price. 
It happened when I bought bitcoin. 
I bought bitcoin when the price of bitcoin fell down to {$39000.00} exchange wanted to reduce the damage, delay about X seconds when I placed my buy order. And settled my buy order at {$40.00}. The exchange rate is about {$1000.00} higher than real-time rate. Currently, all exchanges comply with the principle of trading at a real-time rate. By the way, it is unfair to vote at an exchange rate as high as {$1000.00} because the market price fluctuates significantly. In this case of my transaction, XXX expected the exchange rate to rise, so settled my buy at a {$1000.00} higher rate, but the exchange rate fell by more than {$1000.00}. In the end, I ( user ) suffer an exchange rate loss of {$2000.00} and the trade begins. So, I sent emails and disputed several times that I wished that the transaction would be fair in real time, but all are denied. And the reason is [ This decision was made because your billing dispute doesn't match our qualification for a billing dispute ] and [ Explanation of whether the price difference is related to increased tip amount, shipping charges, taxes, etc. ] it is possible to reply when XXX had no crypto service. 
Probably, all users have the same complaint, so if they dispute, then theycontinue to be denied for the same reason. Eventually they end up giving up. XXX appears to be exploiting it. 
With the image of a reliable XXX, XX is stealing from users who do not know much about cryptocurrency trades in this form of transactions that can not be seen on other exchanges. 
As far as I know, this unfair trading method is a violation of antitrust law. 
I leave this note with the hope that it will be a fair trade ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TD BANK US HOLDING 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:
I had my debit card stolen and was used for a website called XXXX XXXX. I reported it to my bank and it is almost 2 months since I made the report Ive had the account open for 3+ years I received no credit from the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE COMPANY IS TRYING TO COLLECT A DEBT THAT IS NOT MINE AN ACCOUNT THAT WAS OPEN IN MY NAME VIA FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

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 explanation
Consumer complaint received 2023-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 recently spoke with XXXX 's Special Handling Department and inquired about whether the reporting creditor had provided them with proof of ownership in regards to a dispute involving a business account that's being reported on my personal credit profile, despite my lack of responsibility for it, as well as a collection account that I have no knowledge of and have never had an account with that creditor at that address. To my surprise, I was informed that they do not typically request documentation for validation ; instead, they rely solely on a response from the creditor, deeming it valid. I then raised the crucial question : How does this process guarantee the accuracy of the reported account information? 

In response, I was simply informed about their operational procedures and advised that if I wished to challenge the accuracy, I would need to request this information directly from the creditor. Otherwise, XXXX would continue reporting the inaccurate information. I emphasized that I had already included a letter from the creditor validating the inaccuracy of the information. 

In light of this, they mentioned reopening the request, but cautioned that if the creditor once again responds with a validation, XXXX would continue to report what the creditor wishes, leaving me with no recourse but to contact the creditor directly to dispute the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
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:
XXXX  did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
We have 2 accounts with Coinbase, one is under my wife 's name ( With email address : XXXX ) and other is under my name ( With email address : XXXX ), also we had registered both accounts with the same phone number as XXXX. As we plan a trip to our motherland, so we had to change the phone number to access our account when we are out of the U.S, but after changing the phone number on the account with email address XXXX, Coinbase disabled both our accounts, and has blocked my asset and says " Sorry, account temporarily disabled. Please contact support. '' and stated we are not resident of the U.S while it's not correct and we are lawful permanent resident of the U.S, they also have our government ID, address and SSN, I also asked them I can resend or provide them with any other documentation that prove we are resident of the U.S, but they never responded to me. I have also tried to call their costumer service, but their call center doesn't accept calls, also I sent them several messages through their website but they never reply me. I also have attached my driver 's license, green card, last bank statement and last utility bill for your reference.

Company response to consumer: Closed with explanation