BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Im accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Description : Coinbase My account was compromised even with two factor security requiring my cell phone. i received a two factor request on XX/XX/21 at XXXX XXXX  indiana eastern time. At the same time i received a email confirmation of a transaction completed converting ankr coin into btc coin. I did not make this transaction. I immediately logged in and changed my password again. reversed the transaction. Contacted the company. They locked me out of my account. They refuse to communicate with me after over 20 email attempts. they refuse to let me close my account. After further research on their social media profiles like XXXX. you can clearly see their entire feed is filled with similar stories. They are locking us out of our own accounts while they scrub the evidence and steal our money. Im ashamed that a company like this can even be successfully listed with an exchange as a recent ipo. This company is a scam. They have only email communication and they refuse to communicate. The customer has no recourse. My supposed case is Case # XXXX They have lied and misled me repeatedly on how to unlock my account. I did what they asked and they refuse to unlock it, allowing me access to close it and transfer my money out. If the Sec doesnt act imo you are complicit in this fraud. I can provide all emails. The ip address and location of the unauthorized access would have been available on my account but since i cant log in i cant gather it as evidence. Perfect XXXX  scheme going on here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX is reporting an inaccurate payment history - payment history shows 92 % when it should be 100 % on time payment history with all the open accounts I have now. 

proof in the attachments : first : the inaccurate report of 11 missed payments second : the ACCURATE report of all on-time payments

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 2020-09-25
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:
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please remove account which does not below to me or any transaction made by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
Company has reported XXXX XX/XX/XXXXon my credit. This was previously disputed in 2020 under a different company name XXXX XXXX XXXX. I sent in documentation at that time showing that the account was not mine and it was removed from my Credit account. XXXX XXXX is a different company but same amount ( XXXX XXXX XXXX XXXX ). I have shown documents showing deletion in 2020 under XXXX XXXX XXXX however, company is still reporting. As I have shown before ( 3 years ago ), although the company name has changed, the account was and is not mine and I am wishing to have it deleted from my credit report.

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 2022-07-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
DISPUTED ITEM - XXXX  - {$120.00} I previously disputed this item with Experian. Im extremely disappointed with Experians decision NOT to delete the five-year old {$120.00} alleged debt being disputed with XXXX. Therefore, Im submitting an appeal regarding Experians decision. 

I do NOT want Experian to forward my appeal to XXXX  for further investigation. It will serve no purpose. XXXX will immediately and robotically respond that the debt has been verified. Theyve done this with my previous disputes. Submitting this dispute to XXXX will only guarantee another unfair No Win situation for me.

Instead, Im asking Experian to please step in and make their own decision regarding this {$120.00} alleged debt, independent of XXXX input, influence, and involvement. 

My dispute with XXXX boils down to a simple, yet very frustrating He Said, She Said argument over a {$120.00} defective watch I purchased and returned, which was then LOST by XXXX over 5 years ago. XXXX is the lender that XXXX uses to provide monthly payment plans for their customers. XXXX claims that the watch was never returned. Unfortunately, Im unable to prove that it was returned because I no longer have a five-year old return postal receipt. 

Question : Under these circumstances, why has Experian chosen to believe a huge lender and retailer over an individual consumer? 

PLEASE SEE THE ATTACHED DOCUMENT FULL COMPLAINT & ADDITIONAL INFORMATION

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 2022-05-18
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the collection agency Covergent Outsourcing and XXXX XXXX XXXX on XX/XX/XXXX to report that several fraudulent accounts ( amts {$420.00} & {$530.00} which either appear on my credit report or on their systems do not belong to me. I notified these entities that I am a victim of identity- theft and that the information that they have on file does not relate to any transactions I have made. The addresses that they also have associated with these accounts are not addresses that I recide at nor have I ever recited at. I did not give anyone authorization or consent to use my personal information therefore the utility company should have never established these fraudulent accounts. I requested for an investigation to be completed and for these negative items to be removed from the collection agency records and my credit report. An agent by the name of XXXX from XXXX XXXX opened several fraud dispute cases for me on XX/XX/XXXX. I was told by XXXX XXXX that they would be Investigating these fraudulent accounts in addition to getting them removed from my credit report and the collection agency. I was also told by XXXX at XXXX XXXX that someone from their dispute department would be contacting me. I have not been contacted by either entity as of XX/XX/XXXX. This item still appears on my credit report without any resolution. 

On XX/XX/XXXX & XX/XX/XXXX all three credit reporting agencies ( XXXX, XXXX, and XXXX ) were notified that my identity had been stolen. I filed several disputes to correct and remove - names, addresses and collection debt items from my credit report that do not belong to me. I requested a freeze to placed on my credit report and fraud alerts have been placed as well. Once again, I did not give anyone authorization or consent for them to use my personal information. I am a victim of identity-theft and I am disputing these fraudulent accounts that either appears on my credit reports, Covergent Outsourcing and/or at 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 explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My DOB XXXX and my is SS XXXX I have attached my SS Card and DL for proof of ID.

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 2018-07-19
Company: SYNCHRONY FINANCIAL
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX XXXX  card. 
we only use our card 1 time a month. XXXX says we owe {$1000.00}, we only go up to {$100.00} if nessesary. 
we contacted XXXX and told them that our card was scanned by a card reader illegally. 
we feel that we have paid enough on this bill. XXXX wouldn't work with us. 
we have been paying on this for 9 months. and it seems like it is going up. whats going on with this company?

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 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2021-10-14
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, my wife & I signed the final Escrow Documents to refinance our home before a Notary Public. All documents were signed, notarized & filed. Rocket Mortgage told the Notary that funding would occur On XXXX XXXX. On XXXX XXXX, I learned that my Loan XXXX, XXXX XXXX, XXXX XXXX XXXX, told Rocket Mortgage that I had rescinded the Agreement and there would be no funding. I DID NOT RESCIND THE AGREEMENT verbally or in writing. I tried to call XXXX XXXX but he would not return my calls. I tried to email him but got no response. 
I employed The XXXX XXXX XXXX to communicate with XXXX XXXX XXXX. Subsequently, I received a phone call from the XXXX, XXXX XXXX, who agreed to a new loan with the same Terms & Conditions as the original loan and processed within 24 hours. However, the new loan disclosure was not in keeping with the Verbal Contract. It had a higher interest rate & did not include the full Lender Credit. In an email communication with XXXX XXXX he also stated the loan would not be concluded until AFTER XX/XX/2021 ( certainly not within 24 hours and not even a determinate date at all ). This is a typical BAIT AND SWITCH tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018, I applied for a Title loan with XXXX XXXX in XXXX   XXXX, TX. Staff employee XXXX XXXX set up my account. I specifically agreed to pay monyhly {$100.00} to expedite the loan pay off. I received a check for {$460.00}. Each month I was not allowed to pay {$100.00} on my loan. I was required to pay other amounts lower than {$100.00} that I agreed to pay. Their required amounts that I was asked to pay were, {$97.00}, {$93.00}, {$87.00}, and {$91.00} which allowed them to control my loan not being paid as I had asked and they forced me to sign a new contract XX/XX/2018. Adding more interest to the loan. I had a very long conversation with XXXX XXXX and I accused her of running a scam on me just for the money. I also told her that there were over 100 complaints against XXXX XXXX for corruption against their customers and a former XXXX XXXX employee posted how corrupt XXXX XXXX is and explained how they cheat their customers. XXXX XXXX acted ignorant and said I am responsible for reminding them what amount I am paying. I have questioned them several times about giving me different amounts to pay. I recorded my conversation because XXXX XXXX is guilty of fraud refusing and denying me the right to pay the amount I agreed to pay. XXXX XXXX lied to me about giving me a choice of what payment plan I wanted and she never allowed me to pay the $ XXXX   monthly payment. I was very angry that she could sit there and lie. And this is how they cheat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-12-31
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-05-18
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 am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account ( s ) listed below as reporting 100 % accurate. However, these accounts are Still inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX If you are not aware of this is an violation of my rights under the Fair Credit Reporting Act ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. And these accounts are not accurate.

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 2021-06-02
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX 2021, I contacted Shellpoint Mortgage to speak with my relationship manager Ms XXXX who have been assisting me with my foreberance extension and account. I sent a email to her to request the Foreberance extention and the email request bounce back. I went on Shellpoint website to request the extension of my Forberance which I had since XX/XX/2021 per American Rescue Act I have the right to request and extension up to 15 months if I was in a Forberance at that time. 
I was directed to call XXXX and was told my point of contact was changed XXXX and I was denied and foreberance extension. Did not ask me if I was still impacted from the Covid 19 disaster. I just felt discriminated against. I was also told I had a new contact person and I ask why because MsXXXX XXXX is aware of my challenges with the Disaster and has been working with me hanging my account. Then I was told that monies would be advanced to my HOA and that never materialized and now I am way behind per their letter in writing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: MO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-07-08
Company: U.S. BANCORP
State: CA
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:
US BANK has operated willfully and negligently to deny my claim as rightful owner of vehicle with license plate CA XXXX VIN : XXXX. Payment made on XX/XX/2022 for the amount of {$78000.00} was made to the account/loan : XXXX. On many occasions, US Bank has unlawfully denied my claim to the property listed above.

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