BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 LETTERS FOR REFERENCE

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 2023-06-23
Company: EQUIFAX, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identify theft and did not make the charge. I ask that the following items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. I am also a victim of the Equifax Breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern Conns appliance Account number # XXXX is unlawfully according to 15 U .S 1681a is reporting false inaccurate statements to my consumer report in attempt to damage my Good name.

Furthermore, I have no contract with this debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: DISCOVER BANK
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I transferred funds from my Discover Online checking account at about XXXX ; XXXX today, during a bank day today Friday XX/XX/XXXX and scheduled the transaction for today as well by end of business. The funds were removed from my account balance in the Online Banking app, leaving the remaining available balance. The external bank registered with Discover for the transfer never received the funds and upon calling Discover and having to ask for a supervisor, the refused to cancel or reverse the transaction claiming its the WEEKEND and it will take 4 to 7 BUSINESS DAYS before the transfer occurrs! This after receiving confirmation email from Discover at XXXX! ( during a BANK BUSINESS DAY, TODAY XX/XX/XXXX! ). The supervisor refused to cancel or reverse the transaction and refused to provide a mailing address, phone number or any other means if contacting their legal department, claiming they have no information and the transaction is being processed. I demanded my transaction be canceled and the account closed yet they refused to accept the fact that I did the transaction in the parameters of a normal bank business day. I want my money back as they are going to cause me to have a late mortgage payment! I have a XXXX XXXX XXXX to keep a roof over his head and I'm XXXX. They took my government XXXX XXXX  and are holding it without warrant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: NY
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 initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and XXXX XXXX format formateignoring to report. 

U S DEPT OF EDXXXX Account ID : XXXX and XXXX and XXXX and XXXX I have exhausted all of my options to resolve this matter and I am now demanding that the account be deleted from my credit report due to being invalid and unverifiable. 
If there is no proof of debt ( in fact it was paid in full and never being late ) and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCR Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2018-08-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had got Care credit for dental, and after so many months there's was a large sum of interest was added which I didn't even know that was gon na happen. I never received an adequate explanation of the terms. No one explained to me when signing up that was going to happen. I was told I just needed to pay my account balance. I opened this line of credit in XXXX, I struggled in XXXX, because of the added interest amount added and high interest and I couldn't pay. The highest balance was {$600.00}, and I checked my report and now I have a balance of {$1200.00} in collections ( ridiculous ). 

I am writing this because I just came upon this lawsuit against GE capital bank. I am wondering if I am able to get reimbursed due to my situation. Thank you, and I hope to hear from someone soon. 

CFPB Orders GE CareCredit to Refund {$34.00} XXXX for Deceptive Health-Care Credit Card Enrollment

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 2018-04-18
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was late on my mortgage, and received help from the original mortgage company, XXXX XXXX. However, I purchased my home for {$230000.00}. When my loan packet was sold to XXXX XXXX XXXX  there was an additional {$80000.00} added to my principal, and now my principal balance is {$300000.00}. But no one can tell me where this extra money came from that was added. If it were the total number of missed payments, then I would have had to have almost 3 years worth of missing payments, which i did not have. I have reached out to my current mortgage provider, Mr. Cooper, and they can not explain what this additional money is either. Additionally, it seems that every 6 months they keep increasing my escrow account, and I know that my property taxes and insurance do not go up over {$6000.00} year over year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The Bank of America Preferred Rewards program advertises for platinum-tier members a 50 % bonus on eligible cards, which the Premium Rewards card is among. After reviewing all related terms and conditions, I found no clear indication that this 50 % bonus excludes the reward granted for spending {$3000.00} in the first three months of membership.

Not wishing to act on misinformation, I sought and obtained the assurance of as many as four branch representatives that my interpretation of the terms was correct and that I would indeed obtain a 50 % bonus on the reward received for spending {$3000.00} in the first three months of membership.

Although initially I contacted a representative of the credit card itself, she could not state with certainty whether the reward would apply and had advised me to visit a branch location for further confirmation -- which, as described above, is exactly what I did.

Despite the certainty of the branch representatives, it turns out we were all deceived. ( I assume none of the representatives were intentionally lying to me. ) The advertising and the terms and conditions of all relevant programs -- their Preferred Rewards program and their Premium Rewards credit card -- are sufficiently ambiguous that even Bank of America 's own employees failed to interpret them accurately.

Needless to say, I feel cheated.

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 2018-04-17
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We submitted a full short sale package for XXXX purchase price back in XX/XX/XXXX in XXXX, then in the first week of XX/XX/XXXX Mr. Cooper countered our original offer an additional XXXX more. My buyer provided his property inspection report, and countered back at XXXX. Sensing the sale date getting closer, we again asked if the sale date was postponed? We were told by Mr. Cooper they would file a motion to cancelled the upcoming XX/XX/XXXX Foreclosure Sale Date since they had received a completed short sale package and a CASH offer, and since the counter offer was still short of the investors price, they would also have to put the property in their auction site XXXX. But the sellers had to agreed to that or they would cancelled teh short sale. They Also told us not to worry, because they will cancel the foreclosure sale date. 

The property was in the Auction for a week and my buyer was the only bidder, since the home had may issues with mold and water damages. Since my buyer was the only bidder, and he already had the property under contract with Mr. Cooper, we were told that XXXX would transfer it back to Mr. Cooper. That transfer took another week of loss time for them to release the property. Then Another week went by before Mr. Cooper engaged us in XXXX to let us know that the property was being release back to XXXX   and the Negotiator wanted to counter again at XXXX. 

We agreed on the XXXX sale price and teh lender requested a HUD-1 reflecting the new price, and addendum reflection all parties has agreed to said price, and updated proof of funds. All documents were quickly uploaded and sent to the Lender in XXXX. 

Last week we requested a response on when we can expect the short sale approval. The Sellers also went to court on XX/XX/XXXX to make sure the sale date for the property was indeed cancelled. They showed up and was told that the lender a day before sent in a motion to cancel the original motion to cancel the Sale date and they were proceeding with the foreclosure on XX/XX/XXXX.

We explained that this was a Dodd-Frank violation and it goes against the CFPB guidelines, and we were told, too bad! The sellers contacted Mr. Cooper on the phone and spoke with the bank for about an hour. She spoke with XXXX XXXX in regards to our situation and she had all the paperwork in front of her, she got someone from the foreclosure department to review our package and she saw the $ XXXX cash offer. She came back on the line and advised the sellers that the paper work was all sent in time and that they are rescinding the foreclosure and will continue with the offer. 

We are now told that they will not vacate the foreclosure. Can someone help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Initial contact with coinbase : Coinbase XXXX XXXX XXXX  has XXXX of my dollars in limbo Just another post confirming Coinbase XXXX will send your tokens with no Memo and it will be lost if you use the coinbase XXXX XXXX sent XXXX $ to another exchange and know for certain that it had the memo on there as I used a saved address that has worked without issue in the past more than once. I have created a case # XXXX and the first response was them saying the transaction went though and went to the right address. But without that memo i will never see it and it is gone. Coin base where are you at? you should immediately cease withdrawals requiring memo on you app and refund me all my money as it is lost. then Fix your app. your a huge company and this issue is all over the internet with multiple confirmations that the app is bugged. 

Hello XXXX, Thanks for reaching out. 

We're aware of this issue and working to fix it as soon as possible. 

Cryptocurrency transactions on the blockchain are irreversible, meaning after they are sent, there is no way for us to reverse the transaction or recover these funds. 

Our best recommendation would be to reach out to the party you intended to send these funds to and see if they can help you recover the funds. You can provide them with the link to your transaction available here : XXXX XXXX XXXX We appreciate your patience and understanding. 

Kind regards, Coinbase Support This is unacceptable as they have now stated they know about the issue but basically sorry we cant do anything. The other exchange wants XXXX $ to get it back. I have now asked for a XXXX $ credit to at least cover the recovery fee..at the end of the day its a coinbase error and they should be the ones fixing it and incurring all fees and contacting the other exchange not me. So as of now i am still out XXXX $ and nothing has been said by coinbase of how they will make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent a letter off on XX/XX/2023 asking the credit bureaus to remove personal information that I did not want on my report. Here are my tracking numbers XXXX, XXXX, XXXX according XXXX15 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. Also15 U.S. Code 6802 - Obligations with respect to disclosures of personal information states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal 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 2023-07-22
Company: Double Diamond-Delaware, Inc.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This letter is to file a formal complaint against XXXX XXXX XXXX in PA and its affiliates Double Diamond XXXX  and United Equitable Mortgage Corporation. The complaint is for their refusal to cancel the land sales purchase and its associated loan I signed on Sunday XX/XX/2023. The request for cancellation stems upon the fact I was not given a copy of the property report of the land prior I signed on the loan for the land sales contract. According to real estate sales contract, buyers have the legal right to request the cancellation of the contract sale if the property report was not provided prior to signing on the contract. 

On Friday XX/XX/2023 I emailed XXXX XXXX XXXX, the sales staff at XXXX XXXX XXXX in PA along with XXXX XXXX XXXX, the referral staff at Double Diamond XXXX in Texas and XXXX XXXX XXXX, the mortgage consultant at United Equitable Mortgage Corporation to let them know I am requesting the cancellation of the land purchase. On Saturday XX/XX/2023, I sent a letter via certified mail to XXXX XXXX XXXX. As of this writing, I have yet to receive correspondence from the mortgage company. 

The land sales contract is for the Lot XXXX, XXXX Subdivision of XXXX XXXX XXXX, XXXX XXXX of XXXX Subdivision XXXX the township of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX of Pennsylvania. Its associated loan is serviced by United Equitable Mortgage Corporation. Please kindly note despite signing page XXXX of the attached document, I was not giving a hard copy of the property report. The company is using fraudulent tactics giving buyers a XXXX XXXX with no specific, accompanying information pertaining to property report nor giving access to a computer for the buyers to read the property report. 


I look forward to the Consumer Financial Protection Bureau to assist me with a resolution to this problem.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-02
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: Their investigation did not fix an error on your report

Complaint:
I disputed a closed account with XXXX, XXXX and Equifax credit bureau. 

I also contacted the card company XXXX XXXX XXXX They assured me it was a big mistake. 

XXXX was the only credit bureau who actually investigated and fixed the issue. 

XXXX and Equifax dispute results claimed the closed account was ACCURATE. I lost points on both my credit reports for the closure. According to XXXX and Equifax the last time I made a payment on the account is in XX/XX/XXXX. The account balance both XXXX and Equifax are posting is inaccurate. The balance they're reporting is {$180.00}. As of XX/XX/XXXX According to my card account online and Statement as of XX/XX/XXXX the account is OPEN. The balance is {$140.00}. I made payments on XX/XX/XXXX and also XX/XX/XXXX. 

I've also made a purchases on the card XX/XX/XXXX {$52.00}, and on XX/XX/XXXX around XXXX XXXX. For {$10.00} so im not sure how the account is CLOSED. This is affecting my credit score and my credit worthiness. 

I don't believe XXXX and Equifax never contacted the card company when I put in the dispute they just went off what was reported in previous days on file. The dispute results came bk within 24hours ( which is quick for a proper investigation ) saying the information was ACCURATE which is a BOLD FACE LIE. I NEVER MISSED A PAYMENT. MY ADDRESS NEVER CHANGED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX21 sent e-mail to XXXX XXXX XXXX, Assistant Vice President, Branch Manager at First Midwest Bank as a follow-up to a visit with my Daughter a couple days earlier to add her to my checking account as a " signer only '' because of my Essential XXXX My account is titled in my Living Trust and I was told that the only way this could be done was for me to amend my Trust and make her a Co-Trustee. I told her I did not want to do this and did not understand why because my daughter was able to sign in this capacity with 3 prior banks where I had accounts. I was told she had nothing to do with those banks but she had talked to her Legal Office and this is what is required. In this same e-mail I asked her to clarify for me if her answer was based on information in my Living Trust ; First Midwest Bank Policy ; or State or Federal Regulations. Whichever one is correct may I have a copy. As of today XXXX21 I have not received any form of communication.

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