BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-17
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: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2021-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I inadvertently made a manual payment via Bank of America 's website, having forgotten I had set up an automatic payment to be made timely every month. 

I discovered my error on XX/XX/XXXX when the two payments cleared. I was not notified or the double payment nor asked by Bank of America if it had been made in error. 

I literally spent HOURS on the phone trying to get through to a representative to have the second payment reversed as soon as possible as it gravely impacted my finances. 

My so-called 'loan representative ' was never available and I left multiple voicemail messages, to which he/she NEVER responded. 

I finally reached a representative and, after taking my information, stated the reversal might take up to two weeks. 

I then contacted Bank of America through the internal messaging system on their website in order to create a written record of my effort to recover the {$810.00} second payment made in error. 

Bank of America stated I needed to send PROOF by way of my bank statement of the duplicate payment. The latest message - after I sent the requested documentation on XX/XX/XXXX - acknowledged the duplicate payment, yet they still asked for proof in the form of a copy of the applicable bank statement, which had been sent to them. 

After 21 days and multiple attempts on my part to have the second payment that I made in error reversed, my funds have not been returned to me despite my effort to have that done. 

Bank of America exhibits extreme dilatory tactics to hold on to funds to which they are not entitled, being fully aware of the duplicate payment.

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 2022-03-18
Company: AES/PHEAA
State: WV
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2022, XXXX sent me information regarding the investigation results pertaining to a recent dispute with the US Department of Education, as verified and accurate, and I the consumer in fact disagree with the results. 

Under the Fair Credit Reporting Act there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy and adopt reasonable procedures for meeting the needs for commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevance, and proper utilization of such information. 

15 USC 1681 ( e ) under FCRA INVESTIGATIVE CONSUMER REPORT If the information XXXX investigated is accurate, I the consumer in fact demand that XXXX provide me with the name of the person that was interviewed and all information shall not include Factual Information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The investigation therefore is incomplete and displays unverifiable information that is inaccurate, unfair, and a violation of my consumer rights and privacy, which is a result of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was unable to access my account on the morning of XX/XX/XXXX as the market was tanking. This event re. Coinbase was widely reported across major financial media on that day and in subsequent days. I also had trouble selling in the days after when prices recovered a bit and had no problem later on when prices went down. I also was unable to withdraw money on that day and in later days. Numerous slow emails back and forth to their " support '' were not terribly fruitful and I did file a formal complaint. Their " formal complaint '' process dragged on for the last almost two months and I did receive an email from their Chief Complaint Officer or something like that admitting some measure of fault and offered me ( and indeed sent to my account before I replied and/or accepted their offer ) a whopping XXXX BTC which was about {$300.00} ( seems to be depreciating these day ). I didn't feel like this was commensurate with my loss of about XXXX ( and that is not counting the approximately XXXX in fees ) so am now engaging in the required arbitration proceess which I unknowingly agreed to when I signed up for an account. Their sign-up process is an interesting aside- very quick you just click a box - all in the interest of easy onboarding. And why did I sign up with fee-hungry Coinbase in the first place? Well, I thought this sort of thing only happened on free apps like XXXX ( and I wouldn't go near XXXX for obvious reasons ) and that I would be able to access my account at all times, and particularly in times of market volatility which are a feature, not bug of the crypto market. I have all that I am saying documented with screenshots ( account balance before/after, error messages, tweets from their Chief Product guy and support on XX/XX/XXXX itself- the comments and replies to those tweets are instructive and reveal many disgruntled customers ). Another side issue is that I, as an non-accredited investor, was able to invest unlimited amounts up to XXXX per day- great for the Coinbase business model but I admittedly have no business doing that. In that quick onboarding, they ask nothing about income, net worth, etc- which is standard for literally every other type of investment but not in crypto- which arguably should have greater or at least some guardrails. 
Also, if you have never used Coinbase you should experiment with a small amount- the sort of slot machine/casino-ification of their product design is quite remarkable and 100 % intentional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: MidAmerica Mortgage Inc
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX I paid my mortgage off in full but I have not gotten the DEED to my House .FHA Case:XXXX Loan No:XXXX Pay off amount {$130000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: CORELOGIC 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:
XX/XX/2022 CREDCO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. We have already disputed these accounts.

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 2023-02-02
Company: EQUIFAX, INC.
State: DC
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:
I disputed information on my account because of my rights to maximum possible accuracy. I was never sent any information on how the reinvestigation was conducted or the results. it has been well over 30 days since my last dispute, i called them on XX/XX/2023 to get remedy and was hung up on the first time after 25min on the phone. then the second call i was told i was being transferred to the a manager but was left on hold for over 20 min. i then again called in and spoke to a supervisor by the name of XXXX XXXX wouldn't give me his last name ) and he stated his manager ID was XXXX. He was un willing to help me at all. basically told me there was nothing he could do that i would have to send in letters or fax the documentation in. this isn't even what i called for. i'm looking for the method of verification that was used to conduct the reinvestigation and the results. I also want to have the account removed since they are not reporting correctly. 

it is under closed installment accounts but the status is charge-off with a past due amount and the total value of the car in the balance section. please see attachments for accuracy discrepancies the account on file is XXXX XXXX XXXX acct : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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:
Dear Bureau, this credit dispute is being submitted as a new evidence dispute. This is not a duplicate. The below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I see on my Credit Report an account about which I dont know anything AT ALL. This is a fraudulent account. Im attaching to this letter a copy of the identity theft report proving that this account doesnt belong to me, Im also enclosing a copy of my Drivers License and SSN to verify. Please remove this account/ block this account : Name of the fraudulent account : XXXX XXXX XXXX XXXXXXXX It was opened on : XX/XX/2022 Total Charges : {$540.00} This account is not mine, please remove it from my credit report. Thank you very much for your consideration and I'm waiting for the good news soon. Sincerely, 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 2023-02-12
Company: SYNCHRONY FINANCIAL
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
This is in direct reference to Complaint XXXX against Synchrony Bank that was closed with an inadequate explanation. I provided feedback but I believe my feedback deserves re-submission as a complaint. When you review my complaint you will see that it concerned Synchrony 's deceptive handling of my CD account regarding their funding period and the rate lock terms. In their response, they cited compliance with their agreement as the reason for their denial of my complaint. They provided a copy of their agreement which DOES NOT address my situation. Their agreement does NOT specify when the rate is locked. They changed their rate on the account during my funding period, but did not give me the higher rate because I had funded early in the period and they increased the rate towards the end of my funding period. My understanding of Synchrony 's practice was that the consumer would get the highest rate being paid during their funding period, which I did not. Synchrony advertised their CD promotions with a " hurry while it lasts '' theme, even though they have frequently increased their rates. Being very frustrated over the lack of clarity in their terms and the awful customer service responsiveness, I long ago requested that the CD be closed without penalty and the funds returned to the source, which was my savings account with them. Their murky terms and advertising approach is very deceptive to consumers, and resulted in me being locked into a rate far below the market. They have cost me and I am sure many other consumers ( particularly seniors like myself ) a lot of interest earnings. At this time, I am asking the CFPB to look into this further and ask Synchrony to clarify how their terms specifies their practice on the locking of the CD rate and how the funding period relates to that. Because of this confusion and shady practice, I am again asking that Synchrony close my CD with accrued interest and NO penalty, and return the funds to my savings account. I also think that the CFPB, in the best interests of consumers, compel Synchrony to stop this deception and at least make me somewhat whole by returning my principal and accrued interest without penalty. Even with thos remedy, they still have enjoyed the benfit of my deposit while having paid a rate to me that was still far below the savings account rate that they began paying on their savings account shortly after I was " locked '' into this under market CD. 
It is a violation of trust that Synchrony conducts business in this manner during these difficult financial times, again, especially for senior citizen consumers who desperately need the best interest income that they can get. 
THANK YOU, 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 2021-08-13
Company: EQUIFAX, INC.
State: MI
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 disputes to credit bureaus to dispute inaccurate negative items and have not received a response after several attempts to resolve the issue. The bureaus have not resolved my concerns, they have not completed their investigations in the allotted time frame, and the inaccurate information has remained on my credit report without being verified per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022, I sent a letter to XXXX and Transunion notifying them about the inaccurate information on my consumer report. Until now I didn't receive any response or any result of their investigation. I feel frustrated and I am in distress this matter has affected me from getting access to different forms of credit which I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2023-05-02
Company: EQUIFAX, INC.
State: MD
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 sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MDXXXX Date Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  MD XXXX Date XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX BalanceOwed : {$0.00}, XXXX XXXXXXXX XXXX Owed : {$770.00}, XXXX  XXXX BankruptcyDischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXXankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, DPT EDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX OriginalCreditor : XXXX XXXX XXXXXXXX Balance Owed : {$410.00}, XXXX  XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Dear XXXX Staff, I have been in contact with Experian Credit Reporting Agency ever since the first week of XX/XX/2017. I have repeatedly asked them to remove all addresses they have on file that are NOT mine. I have given them my current address and my former address of nearly XXXX years. However, any other addresses that are NOT mine have NOT been deleted. They also have NOT deleted any Credit Inquires that are more than 30 days old. It 's now been over 60 days and they still have NOT deleted these items at my request. I have also asked them to give me their procedures on how they do enter the information in their computer system and they have refused.

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 2017-06-16
Company: U.S. BANCORP
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been having problems keeping track of what is in my account due to my bank not proccessing my transactions on time.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that which shouldn't be reported as late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I filed a previous complaintthat was sent to the company directy in which are refusing to update the information and has not provided proof. In addition to that they are charging me either {$25.00} or {$40.00} for late fees, and will not provide an explanation as to why they have charged these different amounts Please re-investigate and request proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they shouldn't be reported as late. In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permssion of a court of competent jurisdiction. a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2021-08-02
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation