BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-25
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Suntrust Bank I opened my account in XX/XX/2018 and did not consent to Overdraft coverage. Bank automatically enrolled me even though I did not mail in a signed overdraft coverage consent letter.

They charged me 6 overdraft fees of XXXX $ charge each on XX/XX/XXXX. I called the customer service to request a refund and told them what they did is ILLEGAL. They told I have to call the manager and ask them to prove I don't have a signed document. They refunded me 2 fees for courtesy when this was a bank error in the first place. During this process, they treated me poorly because my account was overdrawn and made me chase them all day to resolve the issue. They did nothing on their end to fix the issue and reach out to the bank manager. 
Then I called the manager and managed to get refund for 4 remaining overdraft fees. 

A month later, Suntrust charged me 8 overdraft fees between dates XX/XX/XXXX and XX/XX/XXXX. I was charged 3 duplicate overdraft fees and 1 extended overdraft fee for XXXX transactions which were supposed to be declined in the first place. I want these fees to be refunded but the bank says they can't help because I already received refund for 6 overdraft  fees a month ago. I told them those fees were bank error and not courtesy refunds. 

I was told if my bank account has no money, transaction would simply be declined. Only bill pay and paper checks can overdraft balance. 

I have {$280.00} overdraft charge in my account currently. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-25
Company: EQUIFAX, 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:
The bureaus are reporting accounts that were results of identity theft. I tried times after times to ask for blocking under FCRA 605B but the bureaus do not care. They are violating several laws and regulations but do not seem to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
First of all I would like to say that I am uncertain which category I needed to select, but I believe several would qualify. OnXX/XX/XXXXandXX/XX/XXXX I wanted to see what Bitcoin was all about. I thought I had an understanding, but clearly do not with regards to Coinbase. I purchased {$400.00} total via a XXXX credit card. I have had issues with Support from Coinbase from the get go! You can get NO SUPPORT from this company. I submitted support requests online, only to get automated responses that there is a delay in getting your issue or questions answered or resolved. I have called the Customer Support #, only to be on an eternal hold and no one answers. I want to close my account and will forfeit any profit made thru Coinbase. I was unaware that I would be required to submit a picture of my photo ID, front and back, to Coinbase .... and I am unwilling to do so for fear of my identity being stolen. 
I believe Coinbase is operating fraudulently and should definitely be looked at or closed down! 
Thank you! 
XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX Account number ( XXXX ), XXXX account number XXXX XXXX ), XXXX  account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX  account number ( XXXX XXXX XXXX XXXX account number ( XXXX ) has violated my rights. 
15 U.S.C. 1681 section 602A 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 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 2018-05-01
Company: Fay Servicing, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX sold my mortgage to Fay Servicing. I tried to apply for a loan modification. Fay Services took all my information. Then sent me a notice that I must pay {$1600.00} every month. {$740.00} + {$950.00}. My regular mortgage payment is {$740.00}. I am 4 months behind. {$740.00} x 4 is {$2900.00}. They want me to pay {$950.00} x 4 =  {$3800.00}. For what? I have only 1 late fee of {$25.00}. This is not a modification! My account manager is XXXX XXXX. 

I am a Personal Banker at a bank. We cant treat customers this way. How can they?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
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: Account information incorrect

Complaint:
TRANS UNION, is reporting in-accurate and in-consistent information on my credit file. 

1. Date Account opened is in-accurate 2. Account number being published is in-correct 3. Last payment made has different dates ( XX/XX/2012 & XX/XX/2012 ) 4. Account is being Re-aged 5. XX/XX/2012 Published that account was charged off 6. XX/XX/2012 Published that account was 120 days late 7. XX/XX/2012 Published that account was Charged off Please see CREDIT REPORTS with in-accurate and in-consistent information, Also, see letter of evidence from 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 2022-12-22
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: Account status incorrect

Complaint:
On XX/XX/2022, I filed a dispute with TransUnion due to a collection is showing erroneous data on my credit report. The account was paid. The amount and status showing on the collection account is incorrect. The account is with XXXX. I also noted that the other credit reporting agencies do not show the account on them as a collection account. Furthermore, my credit reports has a lot of erroneous data that I have asked for TransUnion to delete several times. I can not understand why they would want to report incorrect information. Especially, when I, the consumer, ask for the credit file to be updated with accurate information. Please help! I just dont know what to do with this company. My credit score is drastically different from the other two reporting agencies. I am finding it weird. I hate to play the discriminatory card but it sadly starting to look that way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
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:
I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance {$35000.00} XXXX XXXX XXXX XXXX XXXX : {$33000.00}. Please comply with the Fair Credit Reporting Act and have the disputed accounts corrected as soon as possible.

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 2020-10-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
****Company : Chase**** ****Products Used : Chase Sapphire Reserve XXXX Chase Freedom, Chase Freedom XXXX**** ****Timeline of Events : ( XX/XX/20 ) - I update the Chase credit card app with new banking information, and use the new bank account to pay all 3 of my cards. The payments were for {$80.00}, {$830.00}, and {$380.00}, for a total of XXXX $ XXXX. For context, the total line of credit across all three cards is $ XXXX. I've been a loyal Chase customer for over 5 years and have never missed a payment or spent over 5 % of my credit limit. 

( XX/XX/20 ) - I notice in the Chase app there are return payments on my cards, meaning the payments did not go through. 

There's no stated reason for the return payments in the app, so I call Chase. The customer service rep explains the payments were declined from the bank due to missing account information. I realize I must've entered the routing information wrong. 

I correct the banking information in the app, and ( this will be important later ) ask the rep if I need to be aware of any fees or penalties associated with the late payments. They assure me that my account will continue operating as usual. 

( XX/XX/20 ) - I take my car to the auto shop for an oil change. I walk down the street to buy lunch. My Chase cards are all declined. I call Chase, to learn my accounts have been closed. 

A customer service rep explains that return payments triggered the account closure. A lending specialist explains it will take 1-2 weeks to reinstate the accounts. In addition they had to perform a hard credit pull, just to re-validate my creditworthiness. 

I don't have my debit card or another credit card on me, and I didn't bring cash, so I'm left stranded. **** ****Complaint : Chase gave me false information about the potential negative repercussions from returned payments. Once a decision to close my accounts was reached, I wasn't notified in a timely manner, leaving me in a precarious decision. Despite the fact I'm signed up for phone and email alerts from Chase, I didn't receive a call/text/email. Instead, a letter is mailed ( which as of writing, XX/XX/20, has yet to be sent ). ****

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted a clients packet twice, the third party authorization was sent over three times via the fax number ( s ) provided by the customer service representatives. The last customer service representative XXXX, informed me to resend all of the documents to ANOTHER fax number. The number XXXX gave me was a completely different number the number the other XXXX XXXX XXXX gave me. XXXX was asked several times if I could speak to the XXXX, or given the managers phone number or email XXXX refused. XXXX finally said this is n't the " place '' you emailed those documents to, let me transfer you. '' I was then transferred back to the Receptionist who transferred me to XXXX who informed me his manager XXXX XXXX was not available. I explained to XXXX that I had forwarded the RMA to them three times. A clients personal information was sent via FAX three times and was transmitted to someone, and I was not going to send that CONFIDENTIAL INFORMATION again until I spoke with a supervisor. I then asked why are the CSR 's NOT giving out the same fax number? He said he does not know, he then placed me on a brief XXXX minute hold and told me to MAIL a complaint to Nation star Mtg. LLC and rattled off their physical mailing address. I then asked XXXX XXXX # XXXX to transfer me to the Loss Mitigation Department, he then informed me, '' Although you faxed a loss mitigation packet over as well as a third party authorization, you FAXED IT TOGETHER and the loss mitigation department will NOT acknowledge it/ upload the third party authorization because it was not suppose to be sent to them. '' XXXX was asked to repeat him self. He did just that ... I was instructed to resend both do then asked XXXX to see if some one in loss mitigation was available, ( this call began at XXXX XXXX, as I type I am still on hold, it is XXXX XXXX. ) I was then transferred to a XXXX rep, who gave me another number to fax the third party authorization. Told me she could not help me any further and hung up on me. I then called the client and she was informed by the lender Rep XXXX XXXX that she had not received a submission/RMA from XXXX XXXX XXXX XXXX PA and to resubmit another packet. Attached is proof of transmittal as well as proof of another RMA submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
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:
XX/XX/2023 In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account Name : XXXX XXXX XXXX  15 U.S.C. 1681 section 602 ( a ) states that I have the right to privacy. 

15 U.S.C. 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furbish an account without my written instructions.

15 U.S.C. 1681c. section 605 ( a ) ( 5 ) states that no consumer reporting agency may make any consumer reports containing any of the following items of information : any 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 section 623 ( a ) ( 1 ) states that a person shall not furbish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 2022-11-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account Number : Account name XXXX XXXX Account NumberXXXX Account name XXXX XXXX XXXX Account NumberXXXX Account name XXXX XXXX XXXX Account Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have financed the car with XXXX XXXX XXXXXXXX XXXX. PAID IN FULL FOR THE CAR!! 
never late, it was reported to the credit agencies, WRONG, as " CHARGE OFF, ACCOUNT CLOSED. 

THIS IS INACCURATE INFORMATION, several letters was sent, to request to correct this wrong information.the last letter was sent on XX/XX/2021.

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 2021-12-29
Company: NAVY FEDERAL CREDIT UNION
State: TX
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:
I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with its company. I advised Navy Federal of the violations that I noticed on my XXXX, XXXX XXXX, XXXX XXXX reports. The certified w/ return receipt tracking numbers of the letter correspondence is # XXXX XXXX XXXX XXXX XXXX The lines of credit I have with Navy Federal, which is characterized as utilization on my consumer reports. 
THEIR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports!

Navy Federal Credit Card Visa Signature XXXX XXXX Account # XXXX Navy Federal Credit Card XXXX XXXX XXXX NAVY FEDERAL is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Navy Federal ) THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( NAVY FEDERAL ) Making the report is not INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( NAVY FEDERAL ) that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

I am making this complaint for Navy Federals willful violations and non-compliance. 
Please assist in helping me get remedy for my consumer rights. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX reported a hard inquiry conducted by Equifax on XX/XX/XXXX from XXXX XXXX - oh. This is the second hard inquiry from XXXX on XX/XX/XXXX. The first XXXX XXXX, TX. I reported this hard inquiry to cfpb on XX/XX/XXXX. ( XXXX ). I was contacted by XXXX this morning and suggested sending a letter to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 had ( 2 ) loans that were transferred to XXXX a few years ago. They are paid in full but reporting as late during the period I was in school. I've paid them in full and do not understand why they are reporting as late so many years ago when I was in school

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