BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/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 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 non-monetary relief
Consumer complaint received 2017-07-18
Company: Harvard Collections, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I faxed written letter to company informing them that this debt does not belong to me. This debt continues to be resold to various collection agencies and each time I have had to dispute with credit bureau to get it removed from my report. I have contacted the original creditor who informed me that they no longer own the debt and that it is documented that it was not my debt. I have requested that this company validate this debt by providing me supporting documentation that validates debt, company has sent no communication. This debt needs to be removed from my credit report as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I had an FHA loan with Bank of America ( BANA ), which was paid in full on or around   XXXX   XXXX  , 2012. It has come to my attention tha t BANA  over charged me interest for approximately 20 days. The attached payoff statement confirms that I was in fact assessed interest for the full month of   XXXX   2012, rather than just through the date of payoff.

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 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had several fraudulent inquiries removed from my credit report from TransUnion. After a company computer glitch they were all added back onto my credit report without giving me the legally required written notice 5 days prior to re-adding them. I contacted TransUnion many times in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke to several reps and mangers. They refused to remove the fraudulent inquiries from my report. These inquiries add a hardship for me and my rights are being violated by TransUnion. I am requesting the help of the CFPB to help me in making TransUnion stop victimizing me. I request that all of the inquiries showing on my Transunion credit report be deleted permanently from my report as a violation took place when they were illegally added.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am XXXX XXXX XXXX and I have sent XXXX AND XXXX a request letter to remove NEW RES-SHELLPOINT MTG with the account number XXXX from being furnished on my credit report. This account is outrageous and inaccurate. 30 days have passed since I sent and I was not able to receive any changes nor respond from the Bureaus and even the Furnisher. Under FCRA, report results to the consumer, must be within 30 days and failure to do so should be considered a deletion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: The Best Service Co.,Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had a XXXX XXXX XXXX XXXX account which the bank closed in 2016. It is now reporting out on my credit reports, which I am attempting to clear off negative items. I called XXXX XXXX XXXX XXXX in an attempt to secure a " Pay for Deletion letter '' and pay off the outstanding balance. XXXX XXXX XXXX XXXX referred me to their collection firm : The Best Service Company. I called the Best Service Company to make the same request and offer and was told they can not have items removed from my credit report - I know this to not be true. In addition, the collection agency is saying I owe $ XXXX when the amount reporting on my credit report [ {$310.00} ] - although I do not agree with either amount, I am willing to pay off the account, contingent upon it being removed from my credit report with all XXXX credit bureaus.

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 2023-05-11
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. 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 - account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX - 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 right to privacy.

15 U.S.C Section 604 A Section 2 : It also states consumer reporting agency can not furnish an 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 for 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 2022-02-23
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: National Collection Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has a collection on my credit report that's not mine and they refuse to delete or remove

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have certified mailed documents to the defendants. I have not received any response regarding how the defendants have verified the alleged accounts attached and therefore request that the defendants consider this you a final notice to their offices. defendants need to rectify the subterfuge and deleted all accounts, addresses, and Inaccurate accounts listed below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: BBVA FINANCIAL CORPORATION
State: MO
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:
We purchased a new vehicle in XXXX of XXXX from XXXX XXXX XXXX. We financed it through Compass Bank. We paid it off in XXXX but never received a lien release. The bank never sent the documentation to the state of Missouri 's XXXX either. We have sold the vehicle and the new owner can not title it without the lien release. We contacted the new bank that took over Compass Bank XXXX weeks ago. BBVA-USA could not find any information about our loan or account. We had to send them our contract and title information showing them as the lien holder. They told us they would send the lien release. Jump ahead XXXX weeks and many phone calls later, they tell us the case has been closed and the document was sent through XXXX mail and a copy was emailed. Neither of these things happened. More calls were made, they said it was escalated to the " back office ''. We were told it would be taken care of over and over. Now, XXXX weeks later, we still do not have anything. Friday, XX/XX/XXXX, I spent XXXX hours on the phone with their customer service department in XXXX XXXX. I was hung up on XXXX times. I spoke to at least XXXX people. Every person read from a script. None of them could provide me with a copy of the lien release or the tracking for XXXX. Now, XXXX days later, we have not received any correspondence or returned calls from XXXX different " customer service '' agents. The XXXX will not accept anything we have provided, so we can not help the buyer title the vehicle. I can not get any help. I have asked to speak to an XXXX customer service center, and it does not exist. I tried calling the branch in XXXX, Alabama, and I was hung up on XXXX times. I spoke to XXXX person in sales that transferred me back to XXXX XXXX. I am going to have to return the money for the vehicle I sold, because XXXX will not do their job. Additionally, we will have to file a case against them in court to obtain a notarized lien release that is required by law in the first place! This bank should be investigated by a government agency due to the number of complaints with the BBB involving lien releases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-22
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Coinbase is an online crypto currency exchange that allows for buying and selling of various crypto currencies They allowed me to transfer my funds from my XXXX XXXX to them ( XX/XX/XXXX n XX/XX/XXXX ), allowed me to purchase their product ( XXXX ) and then immediately locked my account from selling or buying or withdrawing XXXX fell more than 30 % in price and they denied me access to sell ( after allowing me to buy ). I lost a lot of money due to this and still can not sell my purchased product. 
They kept citing ID verification despite the fact that ( 1 ) been a member since 2016 ( 2 ) they allowed me to transfer funds and buy without ID verify ( 3 ) I have submitted numerous times my drives license, my camera pic, my camera pic with handwritten note

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, 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:
Unknown inquiry found on my personal credit report. I do not recall giving authorization to this creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXXn has an unwritten 'no cancellation ' policy, even in cases in which they rescheduled a furniture delivery 4 times. I must have placed at least a dozen calls to XXXX XXXX to cancel a dining room table called the " Benchwright Black Oak '' because the order was placed in XXXX of XXXX but eventually, was not going to be delivered until late XX/XX/XXXX. In XXXX of XXXX, I was getting ready to make a move to a new state and I thought I would reorder it there. Every phone call to customer service indicated that my cancellation of the order was legitimate, yet I kept receiving alerts of the order being 'moved out ' with the delivery as though it was still scheduled. I would call to cancel again, only to learn that no cancellation had occurred. There was no confirmation # or any kind of control #, so it couldn't be determined by me, the customer, whether the cancellation went through or not. Still, alerts of the delivery kept coming in on my Email and text. So first, I'd like to make the point that there are NO CANCELLATIONS WITH XXXX XXXX, ever. They should make that abundantly clear on catalogue items ( not special or custom orders ) at time of purchase. This was a catalogue item. So eitheXXXX XXXX XXXX has no warehousing options because their containers are unloaded and go straight to distribution for delivery. The end result is that I've been hit with a very large shipping, set-up, surcharge and tax fee for a delivery which never took place. XXXX XXXX XXXX Complaint XXXX XXXX did nothing to resolve this charge of {$510.00} with Capital One, XXXX XXXX XXXX new financial institution as of XXXX of XXXX, when filed on XXXX XXXX, XXXX. The original order was invoiced on order # XXXX and refunded on XXXX XXXX, XXXX. But the shipping, set-up fee, surcharges and taxes were still billed by Capital One since they would not reverse this charge for non-shipment of the dining table. If I read something recently correctly, after 2 attempts by a merchant to reschedule a delivery, I believe under the FTC that a customer has the 'right ' to cancel an order. In order to maintain my credit card in good standing, I've been paying the minimum monthly balance of {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-16
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
When making a payment I was told that I could set up arrangements after wards once I paid they said arrangements didnt exist theres was lack in communication they would only call doing my work hours I had precession of my phone never received letter of reprocession car gone is in there custody and still telling different charges

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, 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:
Unknown inquiry found on my personal credit report. I do not recall giving authorization to this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XXXX and XXXX of XXXX I filed a dispute with the major credit bureaus Equifax and XXXX about the unverified info being reported from XXXX XXXX Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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:
I reached out to Experian to ask them to investigate items on my credit report, because information that was being reported was inaccurate and inconsistent, and I am entitled to a 100 % ACCURATE credit report. They responded within a few days and stated that the accounts were " verified ''. Experian failed to do a complete investigation of these inaccuracies and remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation