BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Identity Theft XXXX DATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: TCF FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Dear Sir or Madam My Mom passed XX/XX/XXXX. I was a co signer on a loan for Her. The Estate properly notified for all debtors to collect through the probate court as required by Law. Not once did I receive a notice that the account was delinquent or in jeopardy of prosecution as a co-signer. I received paperwork the month of XX/XX/XXXX two years later which was XX/XX/XXXX.The Estate was long disbursed. I responded to the letter personally thinking that the Holidays would not count in a 21 day response time. XXXX XXXX filed a default judgement and emptied my bank accounts and my childrens bank account to the Tune of {$10000.00}. They have placed a Judgement on credit report for over {$50000.00}. My Moms balance on the loan was roughly {$18000.00}. These are userous interest and fee charges. These are not upstanding business practices.

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 2018-05-18
Company: EQUIFAX, INC.
State: GA
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:
This company under the Fair credit act is not authorize to report on my credit. I do not have a contract nor a agreement with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: AP
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:
I have a Hard Inquiry I do n't recall on XXXX XXXX, 2017 from XXXX XXXX XXXX. Was unable to get a clear answer on why I have it or where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: FISERV INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is a follow up to my previous complaint with Money Network. They said they mailed a check for the remaining balance on my account ( XXXX ) on XX/XX/XXXX. It is XX/XX/XXXX and I have not received the check. This is the second time they have said they are sending me a check

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 2022-10-15
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried calling many times and I am on hold for a very long time. I cant get through the right department. They are reporting that my silent second mortgage had foreclosure started but it was never in foreclosure. I never received any paperwork telling me I was in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
A transfer of {$8000.00} was made from my XXXX XXXX XXXX account to XXXX : by XXXX XXXX account on XX/XX/2022. 

The XXXX : by XXXX XXXX account was locked on XX/XX/2022 without any justifiable reason provided. 

I have made several calls to XXXX : by XXXX XXXX to return the transferred funds of {$8000.00} and it is yet to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
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 status incorrect

Complaint:
XXXX XXXX did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but XXXX XXXX   refused to help me. 

It is unfortunate, but XXXX XXXX Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While XXXX XXXX may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2100.00} Account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$920.00} Account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$660.00} Account with XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$180.00} Account with XXXX  XXXX Also all hard inquiries unders XXXX XXXX These accounts and information has VIOLATED MY RIGHTS IN ACCORDANCE WITH FAIR CREDIT CONSUMER REPORTING AGENCY 15 U.S.C 1681 section 602 A. states that I have a right to privacy 15 U.S.C 1681 section 604 section 2. It also states that a consumer reporting agency can not furnish a account without my written consent

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 2021-06-08
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
To whom is may concern, Coinbase Case Number : Complaint # XXXX On XXXX XXXX, I completed a deposit to my Coinbase wallet of USD XXXX} and the funds never posted to my Coinbase account. The USDT Crypto was sent from my XXXX account via the XXXX network vs the XXXX network which was in error. Though the crypto was transferred via the incorrect network, the funds were still deposited in the correct Coinbase USDT wallet which can be confirmed via the following txid : XXXX XXXX XXXX Coinbase is a public company and has the capacity to resolve the matter and post the deposit to my account and is choosing to ignore my requests for assistance. I have submitted over 12 general requests for assistance and submitted a formal complaint/ request which has gone unanswered. Coinbase will not provide the necessary key to recover the funds myself which leaves me seeking other means of holding them accountable. I am not the only investor that this has happened to and if Coinbase is to remain a public SEC regulated entity, they will need to do better. According to an independent investigator, the funds are not lost but Coinbase will need to properly investigate and resolve the matter. They need to pull the the deposit from the XXXX network and redirect to my Coinbase wallet. I would truly appreciate assistance in holding Coinbase accountable and getting my funds back. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my refinance XX/XX/XXXX and there was set to be {$2800.00} set aside and that portion was to be used to pay for our property taxes for the month of XXXX. 

However, when taxes became due freedom mortgage did not pay them. Instead, taxes went delinquent and they tried to use the money in my escrow account but it wasnt enough. ( because they already had the money for my taxes from closing ) So the payment didnt go through, freedom finally made a manual payment ( XX/XX/XXXX ) of property taxes 2 months after they were past due. This included a late fee which they are obligated to pay but instead they added it to our escrow shortage they claimed we had because the taxes cleaned our account out. 

So they made us split up the shortage over a year. For the past year we have been making additional escrow payments because of an error on their end. 

I can count at least 7 times over the past few months that I have tried to get help with this issue. I was positive that we werent short but not one single representative noticed the error. No matter who I am directed to or who I ask nothing made a difference.

Freedom even ran not one but TWO escrow analysis and neither time did they notice the error or the charge for the late fee? I finally got tired of the never ending we understand that not everyones financial  situation. The money we have isnt the problem. The problem is that freedom has over charged us on our mortgage for almost a year and had no plans to notify us or even credit us for the fee which is illegal. 

I cant trust this company with my money and information anymore. This has been the worst home buying/owning experience that I ever expected. No one cared, but they all care to have us pay for a refinance again. 


Now, on XXXX XX/XX/XXXX we received a mysterious payment from an unknown source in the amount of {$2800.00}. My idea is that someone finally realized the issue and was trying to fix it without us finding out but the damage has already been done. Ive been forced to pay a higher payment during a global pandemic with literally ZERO comprehension on freedoms part.

I dont just want my money back but I need freedom to pay for this erroneous error that could have quite literally led my home into a foreclosure. So much for using my VA loan with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: SC
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 report act. The list of accounts below gas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX 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 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 know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Someone attempted to obtain credit in my name on several occasions. There are several fraudulent inquiries on my credit reports. I was told by Transunion to file a claim with the consumer that requested my report. The consumers directed me back to Transunion to file an inquiry dispute. Since i was unsuccessful at obtaining assistance from either company, I reached out to the police department. The police department directed me to Federal Trade Commission. Since the identity thief did not obtain the credit that they applied for, the FTC directed me to CFPB to file a claim for credit inquiry issues. 
I 'm completely stressed out and on the verge of s nervous breakdown. I would have never thought that it would require so much time to file a dispute for fraud. I have a fraud alert on my credit report now. 

Please see highlighted yellow areas on credit report- please help me, I have no where else to turn to. Inquiries are as follows : XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( my credit was ran 4 times for the same company ) XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( ran 3 times ) XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX ( ran 3 times ), XXXX XX/XX/XXXX- XXXX XX/XX/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 2015-06-24
Company: ALLY FINANCIAL INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This is the XXXX form of communication I have given them. I am not even 2 days after the scheduled due date, I make payment arrangements on line and they still call. If I talk with them they threaten me saying the arrangement made on line is not Ok, and that they will take the car. Really? I have paid them over {$21000.00} and am not late. Here is the last e-mail sent to them : I have talked with the reps and sent an email to corporate. I have scheduled a payment on line and I keep getting calls at least XXXX-XXXX x 's a day. If I was not able to schedule the payment at that time the online would of not let me. I am not even 30 dys late! I will pursue this further if this harassment does not stop. I have paid over XXXX of the loan and only owe a few more months worth. I do believe that this harassment is because my loan is almost due and you are trying to repossess the car to make even more money on the sale of it. I am requesting that you stop calling my cell phone for a payment that is not even 30 days late. As of today is it only 10 days. The calls start 2 days after the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunion placed an unauthorized security freeze on my credit when I need to have my credit pulled so I can move. They have done this to me twice already. I was an identity theft victim whom they did nothing for until I hired a credit repair company. Transunion sent me a letter suggesting I work with them to fix my credit. I terminated the credit repair company and suddenly I have a freeze on my credit and no changes. 
I sent a letter with a copy of my driver 's license, social security card, bank statement and another copy of my police report dating back a few years ago. I have to move. The house I am renting has mold and I am getting sick. I have already given my deposit to the property I want to move too and application so I can move in two weeks. Today when we went to pull my credit I was told I have to call Transunion. Same thing that happened to me before. This is the second time I have had to submit proof of identity and its unethical. I have been treated as a criminal not a victim.

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 2023-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
They pushed me by advertising to apply for this credit and when I apply for it I get denied and my credit score want down XXXX XXXX by hard inquiry check to my credit score and now I can't dispute this check. And is going to effect in my credit score for long time. Plz I want to remove the inquiry check from my credit score history plz. And I don't know why I get denied..there is something weird in this bank the one I was talking about. He is ( bank of America )

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 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Trans Union about debt collection from XXXX XXXX XXXX that was put on my credit report on XX/XX/2021. I explain to them that debt is invalid because they bought it from another debt company that tried to sue me for the so called debt. I have gave them the case # on the case to show them that the debt was not valid. Almost 30 days go by and Trans Union came back an said debt was valid when the case was dismissed in a municipal court with L.C Rule 12.02 Dismissed without prejudice. So the information they received from Debtor is wrong saying valid is incorrect. Proof will be sent with this complaint.

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 2020-10-17
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
TODAY IS MY 3RD TIME WRITING THE CREDIT BUREAUS ABOUT ITEMS THAT ARE REPORTING ON MY CREDIT THAT DOES NOT BELONG

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