BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. 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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-01-21
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account with Coinbase for the last 3 years. Recently, I am unable to open the account and transfer funds. I reached out to the company via the contact us option and each time they get back saying things are fixed but not really. 

While logging in to the account it asks for 2 step authentication SMS and I am not receiving any text. I verified the account with Coinbase by state ID but not a good response. 

At this point, I am not sure what is happening and want to access or close the account ( transfer the fund to my personal bank account ) Steps taken Issue reported on XX/XX/2021 : Issue reported again XX/XX/2021 : Issue reported again today XXXX XXXX XXXX They do not have a customer support for Account issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I FILE CHAPTER XXXX BANKRUPTCY ON XX/XX/2016 AND MY CASE NUMBER OF MY BANKRUPTCY IS XXXX. XXXX XXXX XXXX   XXXX WAS NOTIFY OF MY BANKRUPTCY ON XX/XX/2016 BY CERTIFICATE OF NOTICE FROM THE BANKRUPTCY COURT. I WAS DISCHARGE FROM BANKRUPTCY ON XX/XX/2016 OF THIS DEBT FROM XXXX XXXX XXXX XXXX. AND THEY WERE NOTIFY OF MY DISCHARGE FROM THE COURT ON XX/XX/2016. I HAVE DISPUTED THIS IN THE PAST WITH THEM AND SO FAR NOTHING HAS BEEN DONE TO COMPLETE MY ERROR. I REACHED OUT TO TRANS UNION AND THEY STATE TILL THIS DAY THEY HAVE NOT RESPONSE TO MY ISSUE AND ACCORDING TO THE LETTER THAT I RECEIVED FROM XXXX XXXX XXXX XXXX THEY HAVE NO PLANS TO FIX MY ISSUE. ACCORDING TO THE THE FAIR CREDIT REPORTING ACT I BELIEVE IF A CONSUMER FEELS THAT THERE IS ERROR ON THE CREDIT REPORT THEY HAVE LOOK IN AND FIX ANY ERROR. ON MY TRANS UNION CREDIT REPORT THIS ACCOUNT WHICH IS DISCHARGE UNDER MY BANKRUPTCY IS STILL SHOWING THIS ACCOUNT IS STILL OPEN BUT NOT CLOSE. I CALLED XXXX XXXX XXXX XXXX ON THE NUMBER XXXX AND I STATE TO THE REP WHO ANSWER THE PHONE O STATE THAT I WAS NOTIFY ON THE PHONE THAT ACCORDING TO TRANS UNION THIS ACCOUNT WAS PART OF MY BANKRUPTCY BUT THIS ACCOUNT DOESNT HAVE A CLOSE DATE AND THIS ACCOUNT IS STILL SHOWING AS OPEN. I AM NOT ASKING ASKING XXXX  XXXX XXXX XXXX TO REMOVE THIS ACCOUNT OFF MY CREDIT REPORT. THIS ACCOUNT IS DISCHARGE UNDER MY BANKRUPTCY AND THIS ACCOUNT IS CLOSE AND IT XXXX   XXXX XXXX XXXX JOB IS TO CONTACT TRANS UNION TO UPDATE MY CREDIT FILE AND STATE THAT THIS ACCOUNT IS CLOSE AND DISCHARGE UNDER CHAPTER XXXX BANKRUPTCY. SECOND XXXX XXXX XXXX XXXX   HAS THE WRONG DATE LISTED ON THE LETTER OF MY DISCHARGE OF MY BANKRUPTCY. I HAVE ENCLOSED MY DISCHARGE LETTER TO SHOW THE CORRECT DATE AND THEY NEED TO UPDATE MY CREDIT REPORT AS SUCH

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 2022-12-13
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights.

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,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: IL
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this investigation, notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX  ( XXXX XXXX of XXXX ) XXXX ( XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have never been 30 days late ever and chase reported me last month. I am in the middle of a refinance to get my ex wives name off the house and them reporting is really hurting my score. I screwed up and sent the check but forgot the stamp and when i came back from working in another state it was late. If i dont get this removed i am going to have to sell this house and move.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a CHIME Bank account to manage a graduation event for resident physicians in XXXX. Because of COVID restrictions, our department couldn't pay for food at events. So I collected donations from other faculty in a XXXX  account and transferred them to the CHIME account. The amount raised was close to {$7000.00} and most were small donations of {$100.00} or so. Then, as the residents went about planning their own event, I texted them amounts of money to reimburse them when they showed me receipts. The text to pay was a main feature of why I used the Chime Bank in the first place. Occasionally, I was able to pay for things directly such as the venue. I received an email saying that they suspended my account because of suspicious activity. I provided them an explanation that was more extensive than the above. Also, I provided a lot of receipts and my proof of address. I phoned to follow up a week later and they informed me that I sent that information to the wrong address and I resent it all to a separate one. Then they responded saying explain the cash payouts and I did that again. I was not able to look at the account as it was disabled to find out which payments they didn't have or which ones they were concerned about. I tried to call and they wouldn't discuss this and later blocked my number. Then they closed the account as they said that it violated their internal policies. I was unable to identify these policies and they referenced information that did not mention anything about a limit on text payments. Further, they would not refund any of the money left in the account. Because I can not see the account any longer, I'm not even sure how much was left in the account. It's close to {$1500.00} or so. I'm fine with them closing the account I guess, but I'd just like the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I make two - 1/2 payments on my car a month. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I get paid twice a month. Thus the payment schedule above. I was in the process of setting this up and I did have auto pay set up with my credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), however, I discontinued this payment to set up the new process. Apparently I didn't discontinue soon enough, but I didn't know that a {$420.00} payment had been sent at that moment. And I set up the new payment plan. When I discovered the error I called both Ally Bank and XXXX to stop payment. Neither bank would do anything and they sent me back to the other institution! Frustrated, the payment went through, right before XXXX! Finally, Ally bank assured me of reimbursement. I have called them, At Least 3 more times, including today. I kept being reassured that it had been mailed out. Today I'm told that it wasn't sent out and they just applied it to my XX/XX/XXXX car payment! And since they deal with a 3rd party payment system, it would take another few weeks! I'm BEYOND FRUSTRATED AND ANGRY. I have XXXX grandchildren, a niece and nephew, who STILL haven't received their XXXX XXXX cash ( teenagers! Lol ) and, AND if I don't have my college class paid for today, I will miss my class this semester. Now I'm REALLY not happy. I feel that they need more than a slap on the wrist! The only thing this financial institution understands are big fat $ $ penalties. I feel that I deserve more than the {$420.00} that they have lied about refunding. Double it! Lol! 
Thank you, 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 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
charged off in bankruptcy ; no longer obligated to this 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 explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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.

has violated my rights. Or list of inquiries 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 2022-08-13
Company: OneMain Finance Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. The above account was classified as a discharge, therefore ONEMAIN FINANCIAL was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, ONEMAIN FINANCIAL has violated the FDCPA by sending incomplete debt collection validation information. Alleged Creditor : ONEMAIN FINANCIAL Alleged Account Number : XXXX Alleged Debt : {$0.00} Alleged Date Opened : XX/XX/2016 Alleged Date Closed : XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( XXXX ), FDCPA 12 CFR 1006.34 ( c ) ( XXXX ) ( i ) - ( v ) XXXX ( c ) ( XXXX ) ( XXXX ), FDCPA 12 CFR 1006.34 ( XXXX ) ( XXXX ), FDCPA 12 CFR 1006.34 ( XXXX ) ( XXXX ) and is in violation. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a request via the Edfinancial website regarding incorrectly calculated payment amount due, which is due now. They have the same amount due ( {$580.00} ) as they had me paying in XX/XX/2020 despite moving me automatically to SAVE from REPAYE. When I go to the government 's website and log in and they have my student loan balance and income info, they tell me a much lower amount should be due. 

I see online news stories that this is a known issue and " has been resolved '' with accounts being placed in forbearance until the issue is fixed but my account is not updated and is not in forbearance. 

It is wrong for those in a position of responsibility to claim these issues are resolved and action has been taken when clearly it has not.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-20
Company: AUTOMOTIVE CREDIT CORPORATION
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: Account information incorrect

Complaint:
charged off in bankruptcy ; no longer obligated to this 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 explanation
Consumer complaint received 2022-01-10
Company: SN SERVICING CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is the result of an ongoing issue with the servicer of my mortgage. After making several requests for a QWR in an attempt to get the name and contact information for the holder of the note, SN Servicing Corporation refuses to provide the information. They are in direct violation of federal law for refusing to disclose the name and contact information of the company who holds my note. They have also refused to provide the contact information for the note holders legal representation, attorney XXXX XXXX. XXXX XXXX, in his response to my previous complaint, also did not leave any contact information for either himself or the holder of the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Refinanced existing mortgage with Bank of America in XX/XX/XXXX. Previous mortgage ( also with Bank of America ) included both my name and my husband 's name. Indicated to loan officers verbally and in writing that I wanted both names to appear on mortgage and was told that would happen.

After refinance closed I discovered that my name was the only one on the mortgage. Was not told at any time during the mortgage application process, underwriting, or closing process that this was the case. 

Called Bank of America and spoke 3 times with loan officer ( XX/XX/XXXX ), Assumptions Department ( XX/XX/XXXX ), and Customer service ( XX/XX/XXXX ), and they could not explain why this had occurred or describe a process to rectify this error. 

I want my husband 's name to be added to the mortgage. Thank you for your assistance.

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 2023-10-27
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a payment before my due date yet my account shows a past due amount and interest is accruing on an amount I have already submitted the payment for. I believe they are doing this to scam the government since I am on SAVE, they want the interest to be higher since the government will just pay it. They are ignoring my requests and will not answer.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: OH
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:
Hi, I can't believe you guys are taking advantage of me. I am really upset the credit bureaus have not responded back to me about my investigation. I sent a letter and it's more than XXXX. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Bankruptcy court name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer is Edfinancial. I recently XXXX in XX/XX/XXXX. I have a grace period of 6 months before paying on my student loans, however Edfinancial has been billing me since XXXX. I emailed them immediately when I received the first bill to express that they have made an error. I did not get any response back at all. Then today I woke up to another bill for the month of XXXX. I logged into my Edfinancial account only to see that they say I now have 2 months of student loan payments due and that I am late on XXXX payment. I am not due to owe them anything until XXXX. In my Studentloan.gov account it clearly states the day I will begin payments in XX/XX/XXXX not XX/XX/XXXX. I emailed them again this morning, and I called them right at XXXX. After inputting all my personal identifiable information on the phone one of the representatives answers the phone and immediately hangs up on me before I can even talk to them. I said " hello '' and they hung up. I immediately called back and was told I had approximately a " 1 min '' wait time and I waited for over 15 minutes before just giving the machine permission to call me back when an agent is available. The machine said it make take 24hrs even though the wait time was supposedly 1min. I am terrified that they have reported my " late '' payment to the credit bureau because I am absolutely NOT late and this can easily bar me from obtaining XXXX employment. I was very proactive, and I have been completely disregarded and harmed by EdFinancial.

Company response to consumer: Untimely response