BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are multiple inaccuracies reporting to my credit file and I would like to see if I can have them removed from my credit file. As I am aware that the credit reporting agencies have to report accurate information and they arent allowed to report to my credit file personal information. When I contacted XXXX the dates for me allegedly being late werent accurate. I understand it has to be 30/60/90 days. 
On XX/XX/XXXX it reported I was 30 days late, then XX/XX/XXXX I was 60 days late, XX/XX/XXXX 30 days late and XX/XX/XXXX 30 days late which is inaccurate. They do not match my payment history made to XXXX from my personal bank account. The dates are inaccurate. I pay my bills on time and would like this issues to be handle properly.

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 2022-04-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report.

I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to re spond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have an auto loan with Wells Fargo. Because of Covid I lost my job and I was unable to pay the monthly payment. I requested grace period of time to make my payments. They gave me 3 months like other financial institutions did. But for my surprise they charged me interest for the whole time. Instead of putting those payments to that end of my loan like the other banks did because of that pandemic. 
The original loan amount was {$27000.00} I owe now {$27000.00}. After I made 6 payments of {$600.00} They charged me {$3500.00} for interest. When that was supposed to be a relief time to pay. That should me illegal. Specially during a Pandemic, they are taking advantage of hardships the clients are suffering due COVID.

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 2022-03-19
Company: Experian Information Solutions 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:
Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. Ion like having my information being used behind my back so please help me fix this issue 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 non-monetary relief
Consumer complaint received 2021-01-05
Company: M&T BANK CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I make payments to M & T bank on this loan through XXXX XXXX 's bill paying program. I use this program to pay almost all my bills and never have an issue except with M & T bank. M & T bank does not credit my account with payments made and then duns me late fees as well as reporting missed payments to credit agencies. This is the second time this has happened which indicates someone is not doing their job. When I contact the lender about the unposted payments, I am told that if I use their bill paying program or website payment process, I wouldn't have these issues. I will refinance this loan with another lender but feel this predatory lending practice should be addressed by the appropriate agency so others are not ripped off by this lender. Churning an account to make fees is highly unethical and illegal. I can submit copies of the attempts XXXX XXXX  billing program made to make these payments if that can be of 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 2021-01-05
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Wire transfer to my account XX/XX/XXXX & XXXX 2020, thru XXXX {$2500.00} two transaction. After those Coinbase would not let me get into my account either to forward or remove funds. I could not get on line, even change passwords, they froze me out.. When on line for a phone #, call a # and got someone to help me.. He help me to ad {$2000.00}, to my account. I thought he was a employee of Coinbase., after that transaction, somehow he remove my {$4500.00} out of my account.. His name was XXXX his # XXXX. 

Wrote two certified letters to Coinbase, tp XXXX XXXX Chief Excutive Officer on XX/XX/XXXX, and XX/XX/XXXX, and have not heard one word. Finally got a way to get into my account thru XXXX, which show XXXX balance, this was with there help line. 

I feel Coinbase has a responsibility to protect my investment, I never get a any notification funds were moved out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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: Investigation took more than 30 days

Complaint:
I have a lot of days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX of 2020 a website erroneously sent my sensitive information to multiple companies unbeknownst to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXXXXXX XXXX  # 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 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 2023-02-20
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Here is the common sense if I was in an alleged litigation why is it that they respond but, when pertaining to this corporation involving an unlawful practice. I am in litigation with them please have them provide an exhibit of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another len Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 
RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2018-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Because of my consistently low bank balance and foreign sounding name, I have been discriminated when the bank uses banks " security '' policies, rules and regulations to harass, threaten and fine me into dismissal if I don't pay unsolicited or unpublicized fees and fines simply because I don't purchase the kinds of products that earn the bank more revenue. 

Although I have registered many complaints about how after years of paying excessive fines/fees that were never advertised or disclosed when I opened the accounts, the customer service is poor and sometimes illegal ( because of various data breaches and poor technology services that keep me from accessing my money in a convenient manner ), I have put up with this because of the administrative hassle of changing banks, and as a result have been a loyal and a legally abiding customer for years. 

Yet, because one client gave me one fraudulent check, I was being threatened in a hostile tone by one customer service with the prospect of being discharged from the bank for being deemed " at risk ''. I have been talked down to in unprofessional, informal manner and gaslighted and forced to take the blame for " allowing '' myself to receive a bad check even though I was the victim. 

I am a business owner and often have to assume risk that some checks might be bad. It doesn't mean that I should be treated like a common criminal like this company treated me as as retaliation and harassment for passionately complaining about their illegal and profit scheming practices the day before. These threats and this harassment to discharge me is not only discriminatory, but has systematically resulted through years of non-advertised fines and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Issue: Transaction issue

Complaint:
I am contacting your agency because I need your help in disputing some charges done on my JC Penny Mastercard by a fraudulent company. I have paid several companies XXXX of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. XXXX XXXX XXXX was one of them and I would like you to investigate all charges done by them on my JC Penny Mastercard. They charged me twice once on XXXX/XXXX/16 for {$3000.00} on the statement says XXXX XXXX XXXX XXXX WA, and the second charge on XXXX/XXXX/16 for {$3500.00} on the statement says XXXX XXXX XXXX WA. I realized I paid XXXX of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.

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 2021-01-05
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a condo in late XX/XX/XXXX. Within a couple months of closing, my mortgage was sold to Freedom Mortgage. 

I have paid the same monthly amount for almost XXXX years. I have never been late, as the loan is an automated ACH payment from my bank account. I do not have an escrow account as I pay insurance and taxes outside of At some point in summer of XXXX, Freedom Mortgage contacted me regarding insurance coverage via mail. As I already have insurance coverage, I disregarded the notice. What apparently happened was I misunderstood they needed proof of my coverage. They did not contact my insurance agent. They did not call or email me for additional information. 

Instead, they applied an insurance coverage over twice as expensive, but no more thorough, than that which I already had, and determined it needed to come from escrow, so they considered me in negative escrow, driving up my monthly payment. I was not aware of this. 

My insurance company, meanwhile, was providing updates to XXXX XXXX, the original provider of the mortgage. 

By the time I understood this, I think in XXXX, I started following up. I was not getting my mail regularly during the fall due to staying in a remote area due to Covid, and my mail not getting forwarded. 

By XXXX when I got reconnected to my mail ( again, no call, no email in the interim ), Freedom mortgage had - reported me negatively on my credit report, causing my score to drop not only below XXXX for the first time i believe in over a decade, but BELOW XXXX, which means i am unable to get good rates on anything - continued to collect my monthly payments but NOT APPLY THEM TO MY MORTGAGE - instead holding them in an unapplied payments 'bucket ' - put me in collections, considering me over {$4000.00} in arears as of XX/XX/XXXX On XX/XX/XXXX, I provided, via email, to Freedom Mortgage, proof of ongoing insurance coverage and no gap for the last two years. In addition, I asked to have my credit restored, my payment returned to its monthly amount prior to this, the escrow eliminated since I do not owe it, and the payments they have been holding, PLUS THE INTEREST earned on them applied to my balance. I have not heard back from them. 

I am now unable to refinance at a lower rate or from a more reputable company due to the issues they have created with my credit report. I am astounded.

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 2023-09-24
Company: Experian Information Solutions Inc.
State: GA
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:
Inquiry on XX/XX/XXXX by XXXX XXXX XXXX is a act of fraud and was not requested by my nor did I give anyone else permission to apply for any credit product in my behalf. I spoke with a fraud specialist on XX/XX/XXXX. Upon clearing up some previous issues, it was suggested to me to add a fraud alert to my account so I will be notified by the prior to any inquiry being performed. I was not contacted by XXXX prior to them performing a inquiry nor could they provide any proof that someone received permission from me to run my credit.

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 2023-07-25
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:
XXXX XXXX Sold the debt to a debt collector. I called XXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX EQUIFAX XXXX Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: WELLS FARGO & COMPANY
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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