BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Currently hold only one credit card- Best Buy VISA that I have been paying in full every month for the last year. My problem started three months ago after paying off in full, my account never gets credited and prevents me from using my card, when I contact Best Buy VISA they tell me my Bank has not Cleared my transfer? I contacted my bank and they are concerned some type of creative financing at Best Buy VISA is going on since I send in full almost XXXX each month! My Bank has records of proof that the electron funds transfer to Best Buy VISA had cleared immediately? Im Retired and have enjoyed using the Best Buy VISA, and now concerned a highly reputable company is taken me for a ride on their behalf? Could this harassment to me be due to not paying the interest fees most consumers pay each month for not paying in full each month? Im also Retired XXXX and have other means to air dirty laundry on companies who treat people with disrespect! I work very hard to stay fiscally inclined during my lifetime and concerned for the new generation operating these companies? Best Buy CEO just mentioned in a letter Economic Havoc our countrys facing and I would love to continually help if I could use my Best Buy VISA without waiting two weeks? Im hoping this complaint submission helps resolve my problem with Best Buy VISA card so I can help support out our countrys financial crisis were experiencing! 

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 explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
There is an incorrect report in my account from XXXX XXXX XXXX XXXX 
I have never used XXXX XXXX in my home and I have never stayed in the addressed.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
n accordance with the Fair Credit Reporting act XXXXt Account # XXXX ( TransUnion ), XXXX ( XXXX ), XXXX ( XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2021-08-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been paying Experian {$27.00} per month for credit monitoring. This service includes being able to see reports from all three credit bureaus. Since XX/XX/2021 there has been an error on my account and my reports from Transunion and Equifax will not show or update on my Experian credit monitoring service. I expressed the issue to Experian customer service multiple times and they had no resolution and have not refunded my account. The only thing they did was cancel my credit monitoring services so I am not charged again, and tell me to figure it out on my own because they have no explanation.

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 2020-10-13
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020 I transferred a total of {$570.00} from my bank account into my newly created " Coinbase '' account. " Coinbase '' is a platform used to buy bitcoin / crypto   currency. Weeks after my investment, " Coinbase '' shrunk my account down from {$570.00} to just {$300.00}. In other words, roughly {$270.00} went missing / has been stolen. After many attempts trying to gain clarity, " Coinbase '' stated this had happened because my bank account had insufficient funds the date of the transaction. However, after contacting my banking institution, they found the funds to be sufficient at the time of the tranfer, debunking the false claim made by " Coinbase. '' Long story short I have been robbed and something needs to be done about it. Case # XXXX Coinbase.com XXXX XXXX, CA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, XXXX I was charged for two rooms in a hotel, when I actually only reserved ONE. My credit card was charged for the two rooms, and I was alerted by the hotel staff that it appeared that I had reserved two rooms, and I assured them I only needed one room. Since the room was booked through a third party, the hotel could not resolve the issue. I disputed the charge through the credit card issuer, and they kept using the wrong amount in dispute, and I had to amend the claim at least 3 times. After collecting my documents, I determined that I was overcharged by {$340.00}. Each time I amended the claim, it was denied, based on some time frame that was past due for resolving such claims. When I asked the CSR why, at no time, was I informed of the time constraint? They could only tell me that they were sorry, but they could not help me. I took me some time to track down some of the documentation also. I was advised to contact the third party, which I did, and I was told it wasn't their problem, it was the card issuer responsibility! Same old finger pointing! I feel as though {$340.00} was taken out of my pocket, and no one seems to XXXX XXXX XXXXXXXX about making me whole.

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 2023-09-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Looking at purchasing a XXXX for ~ {$3000.00} via their website. They offered financing via TD Bank. The terms seemed good so I decided to finance it. 

Received a letter that I was denied credit. The same letter listed my credit score as XXXX out of XXXX. 

I checked my credit to see if something was amiss. It wasn't. The company clearly checked my credit. 

I followed up with TD Bank. They then sent another letter saying they were unable to verify my identity. 

I have worked for over 25 years, own two homes, and recently paid off a vehicle. There is no reason to deny my credit. The offer of financing seems like a scam. 

Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: MOHELA
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I requested a refund of {$8300.00} from Aidvantage, my current loan servicer who took over for XXXX, for payments made to the former loan servicer during XXXX COVID Pandemic from XXXX. I did not receive the correct refund. The amounts that they have recorded and refunded are incorrect and significantly lower than what I paid to them ( please reference the withdrawals/payments made from my bank account to XXXX in XXXX ). I spoke with representatives from Aidvantage multiple times and continue to receive falsified/innacurate information of amounts paid to them. When I correct the representative they somehow find the correct amount in their records from some back door. I have evidence in forms or documentation of amounts paid including bank statements and phone calls with them including case numbers from conversations weve had on this matter. On XX/XX/XXXX, I was refunded {$3500.00} less than what was owed to me. They continue to delay the refund and conversations to make this process as uncomfortable and time draining as possible to discourage the pursuit of this endeavor. I followed up with Aidvantage every 2 weeks about the progress of my refund, to verify the amount and to ensure they have all the correct information. I did this because of my poor experience with the first Aidvantage representative who continued to give me falsified/incorrect information. Aidvantage has records of these conversations written down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Rent Recovery Solutions
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We moved out of XXXX  XXXX  XXXX XXXX in XX/XX/2020 - shortly thereafter, my husband started receiving phone calls from Rent Recovery Solutions stating that they were attempting to collect a debt on behalf of XXXX. However, I have spoken to the property manager several times and she repeatedly tells me that we have a zero balance and owe them nothing. We were mailed a final letter also stating that we owe them XXXX dollars and a refund check was included from the deposit we initially made. Why would we have gotten a refund if we still owed them money? That doesn't make any sense at all. The property manager has told me that she would take care of the issue of Rent Recovery Solutions contacting us, but unfortunately that has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
XXXX an TRANSUNION I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., XXXX MY ACCOUNT # XXXX TRANSUNION XXXX.MY ACCOUNT # XXXX 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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent .. XXXX ACCOUNTS ARE... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all unauthorized an have no Permissible useXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 2019-06-24
Company: Perfection Collection
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Ask company to not contact me unless they were discussing validation of said account. 

Original and third party cant provide validation of debt due to the fact signature are visibly different. 

They've provide more documentation with the same signature. They are using stall tactics to delay deletion of said account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The account in reference is my account with XXXX XXXX XXXX XXXX XXXX. 

Issue 1 : Debt is validated but being reported inaccurately Issue 2 : Differing reported balances [ Equifax is showing {$1000.00}, XXXX is showing {$1000.00} ] Issue 3 : Date of last payment is difference [ Equifax is showing XXXX XX/XX/2022, XXXX is showing XX/XX/2022, XXXX is showing XXXX XX/XX/2022 ] Issue 4 : Account numbers all differ According to U.S. Code 1681i- if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, This is in regards to my XXXX XXXX loans with Mohela and XXXX XXXX XXXX loans with XXXX. I completed a XXXX XXXX Applications against The XXXX XXXX XXXXXXXX XXXX and XXXX XXXX in XXXX on XX/XX/2022. I am XXXX XXXX XXXX vs XXXX. After I completed the XXXX XXXX Applications, I was advised to consolidate the XXXX XXXX XXXX XXXX loans. Which I did. Now all loans are with Mohela. My complaint is this..I need the loans to be put into XXXX XXXX for as long as the XXXX XXXX Applications are being reviewed by the XXXX XXXX XXXX XXXX While the loans that were originally with Mohela are in XXXX XXXX, the XXXX loans that were with XXXX that are now consolidated with Mohela are not in XXXX XXXX. I have written Mohela, I have tried to contact them via phone, I have done chat on website, but I am either getting no help, no response or the run around with putting these loans into XXXX XXXX. I need all my loans with Mohela to be put into XXXX XXXX while my XXXX XXXX Applications are being reviewed/processed. Thank you for your time and help with this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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