BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: CITIBANK, N.A.
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' MACYS/CITIBANK, N.A. 
Credit usage 0 % Balance {$0.00} Balance updated XXXX XXXX XXXX Credit limit {$100.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX  Account type Revolving Payment summary 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 PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XXXX XXXX  Past due amount - Highest balance XXXX XXXX Monthly payment {$0.00} Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments ACCOUNT CLOSED BY XXXX XXXX  Your statement - Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX  THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

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 2020-11-09
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: Old information reappears or never goes away

Complaint:
XXXX XXXX.I refinanced my home while in the process of transferring from XXXX XXXX XXXX  to the new mortgage company. I received a late payment on my account that hasn't been removed. I've spoken with multiple XXXX XXXX members to help with removing this negative item on my account but I have yet to receive any help or feedback to get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: M&T BANK CORPORATION
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019, MT Bank address XXXX XXXX XXXX XXXX DE XXXX was notified by letter through IdentityTheft.Gov about my identity theft complaint, an affidavit and a police report were sent to them. Answer all your letters and questions. I recently received a letter from a collection company demanding payment of {$5000.00} money I did not request or use. 
This matter was reported in time when requesting a credit report and all credit bureaus were notified.

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 2020-08-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The payment history and status inaccurate. Please provide procedure with the complete the investigation or remove. Last payment date is inaccurate as well. Please remove as this account is not accurate and effecting my score. FCRA 611 ( 15U.S.C. 1681 ) SECTION 603

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
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: Old information reappears or never goes away

Complaint:
XXXX XXXX.I refinanced my home while in the process of transferring from XXXX XXXX XXXX  to the new mortgage company. I received a late payment on my account that hasn't been removed. I've spoken with multiple XXXX XXXX members to help with removing this negative item on my account but I have yet to receive any help or feedback to get this problem resolved.

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 2022-11-07
Company: Best Capital Funding
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a customer of Best Capital Funding since the purchase of my condo in XXXX of XXXX. My monthly payment that I agreed to at closing was to be {$760.00} per month. Shortly after, in my XX/XX/XXXX statement, Best Capital hit me with Hazard insurance and the amount due went from {$760.00} to {$2.00}, XXXX. Despite my 3 attempts to send them my hazard insurance policy via their email they claimed not to have it until the 4th attempt. Once confirmed by Best Capital that they received my copy of my policy, they agreed to refund me their hazard insurance charge back to my escrow. It took them months to do this and in the meantime, they still wanted me to cover the cost of their hazard insurance charge. I refused and continued to pay my regular amount due of {$760.00}. Since then my account has only gotten worse. They have hit me several times with more insurance charges and I sent them documentation to show I was already paying out of pocket for my own. They hit me with property taxes even though I was paying out of pocket for those. We had dozens of emails and phone calls back and forth ( see attached copies ) but the entire time they have ignored my request to bring my account back to original status, instead trying to confuse me with a bunch of escrow errors on their part. 
Recently, I applied for another mortgage with a different company for a 2nd home and was denied a loan due to a low credit score. I requested copies of my XXXX credit reports and to my surprise, Best Capital Funding has been reporting me delinquent every single month despite that I am making all of my payments on time. 
I have reach my limit ( its been over a year of them not correcting my account ) with trying to explain what they have done wrong with my escrow account. I need help and hope that you can have someone look into this with me. Im not sure if there are more resource out there for me to use to try to get my account audited so that they are forced to make the adjustments and stop trying to collect monies for insurance and taxes that I do not owe them. My account needs to be resolved, they have destroyed my credit. Please help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am having problems getting a notification from Truist Bank located in XXXX, NC. I had a car loan through them but the car was totaled. XXXX paid them {$20000.00}. I am now working with my GAP coverage and they want a paper from the bank listing my payments and outstanding balances. I have requested this several times, they told me it would take 5-7 business days, heard nothing, called again, they said it is 5-10 business days. Still heard nothing. They claim they are backed up. But they told me I could go to a Truist bank near me and they could run the paperwork for me. I told the if it's that easy, why are they holding me up? The accident was on XX/XX/2022, it is now XX/XX/XXXX. I don't understand this holdup. It is affecting my credit as the bank wants a payment on the {$6200.00} remaining balance and I refuse to pay it. Can you 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 2022-12-21
Company: Experian Information Solutions 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 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 XXXX 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 updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX acct XXXX XXXX has violated my rights. 
XXXX acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U S C 1681 Section 602 A States that I have a 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 non-monetary relief
Consumer complaint received 2021-09-07
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/2021 i invested {$1000.00} in XXXX through Coinbase Pro.com website. The {$1000.00} was two transfers of {$100.00} and {$900.00}.

I completed the coinbase login requirements with photo and two level account verification. 

I did not regularly look at the coinbase balance because the value of XXXX was declining and there was not much to deal with. 

In XX/XX/2021 with the value of XXXX improving I went to my account and found that the account balance was on {$12.00}. I sent a request for support to the Coinbase Support group. They locked my account and told me that they would recover the account. 

XX/XX/XXXX Support told me that the account was successfully recovered. When I went to the account the balance was still {$12.00}. I sent the support group a copy of the transfer out of my account on XX/XX/2021 for XXXX that was not authorized by me. Support can not tell me who made the transfer or where the money was transferred to.

Support has closed the account fraud request with NO RESOLUTION>

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance : -

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The payment history and status inaccurate. Please provide procedure with the complete the investigation or remove. Last payment date is inaccurate as well. Please remove as this account is not accurate and effecting my score. FCRA 611 ( 15U.S.C. 1681 ) SECTION 603

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 2023-09-07
Company: Experian Information Solutions Inc.
State: CA
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 accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 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 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 

U.S.C. 1681A States I have the right to privacy.

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

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 2023-03-14
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2022-09-19
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I started out with XXXX, and applied for the XXXX waiver. In the process my loan was transfered to Mohela. In contact with Mohela, first they told me they don't do the XXXX, then they told me they would " try to to help me, '' then they told me that my XXXX would be updated the end of XXXX. My XXXX was not update, now states end of XXXX, once the application process for the XXXX with the lifting of temporary restrictions is over. I applied and have verification in XX/XX/2022, but still no answer. I have worked in XXXX XXXX for 21 years. I would think that I wouldn't have 96 more payments considering I have been repaying for over 10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
During the afternoon of XX/XX/2020 A man showed up at an apt where my wife and kids live located in XXXX XXXX, FL. No uniform, no id, no logo on shirt. 

This is a private enclosed residential development and unexpected visitors must use the internal phone system to contact residence. My XXXX small children and wife reside at this apt because random people are not allowed to just walk around or enter and knock on peoples doors. 

This man was not in uniform, did not disclose or share his name or state who he represented. Neither did this man furnish any form of official identification. My wife simply described the man as an Older Tall XXXX   Man. 

My wifes first language is XXXX  and she has difficulty understanding English. All my wife can tell me was that a man from the court possibly a police officer came to the apt demanding I show up in court. I know that police and court houses do not work this way. This individual also asked for her name. 

This individual left my wife with a bundle of uncertified ( No original county or state seal ) papers for a capital one credit card and some from the XXXX XXXX county courthouse. 

I searched using my name and found a case, however ; based on the dollar amount from the capital one papers I suspect that this case could be fraud/incorrect or some kind of collections scheme. 

I have had issues in the past with collections, however ; this is the 1st time an un-uniformed man shows up where my wife and children live ... what seemed to be impersonating a county worker or law enforcement officer. ( This is how my wife described the individual and their conversation ) The only people who show up where my wife lives unexpectedly are XXXX, XXXX, XXXX, and her friends. Everyone else uses the phone system or calls before they come. The apartment development is private property. 

What if a criminal or a delinquent decided to impersonate a debt collector, officer or county worker, and raid the apt or molest one of my children? 

I am writing this letter because ... I have difficulty believing this type of activity/process/procedures are endorsed by the Police of XXXX XXXX and the County of XXXX XXXX XXXX. If XXXX XXXX   XXXX XXXX is behind this they were trespassing, impersonating to be gov employee or officer and harassing my wife. 

I have asked my wife three ( 3 ) times what the Mans name was, and she can not tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
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: Investigation took more than 30 days

Complaint:
I reached out and placed a complaint with the cfpb about two or three weeks ago. About the fact that the credit reporting agencies failed to respond to numerous letter that had been sent. XXXX sent on the XXXX and another on the XXXX of XXXX. Many letters were sent before that but these are the XXXX I would like to focus on because these are the XXXX I made complaints. About. The agencies are required to respond within 30 days and they did not in fact I made that co plaint to the cfpb and during the investigation time that's when they decided to send letters but their 30 day period to respond had already finished I would like the cfpb to require these agencies to remove my information since they have not been able to verify the necessary accounts listed under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Company is reporting to my credit report without my consent, I do not recognize this debt, I have requested to the company to provide summary of it, agreement and any information they may have to prove the account is mine and they have not send anything.

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