BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today I've recieved information from the Credit Bureau that my Chapter US BKPT CT NC XXXX Public Record REF # XXXX .... 

Remains The company that reported the information has certified to XXXX and TransUnion that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

However, when I contacted the company they had reported that they could not find the item on my report was inaccurate and deleted from their records. XXXX and TransUnion has yet to delete this from my report. The company does not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from XXXX  and TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ).

As you know, it is also a violation of the FCRA to report this type of erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy 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 2017-09-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
PayPal are holding XXXX for 180 days as they say I violated thier terms of use. I really need this money to feed my family how can I get it back?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Financial Credit Service, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began receiving harassing phone calls on the XXXX of XXXX. The company, Asset Recovery Associates, said that I owed a credit card debt from 92. I did not have any credit cards in 92. I was in fact homeless. The address they gave was a family member. When I tried to explain this to the man he screamed at me and threatened litigation. I talked to him for awhile. He offered to cut the debt by XXXX. He began to double talk. I ended the call making him think I would pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for VERIFICATION or proof of my mailing address but a request for VALIDATION .I would like for my report to be 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 explanation
Consumer complaint received 2019-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 so many hard inquieres in the last months I send pictures of the hard inquires in my credit report of 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 2019-07-15
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear CFPB, Please see the attached letter mailed to us by SunTrust. 

All the way back on XX/XX/2019 SunTrust 's XXXX XXXX was to provide our account with {$1800.00} in credit. It is now XX/XX/2019 and XXXX XXXX has not done so. In addition she has ignored all our requests for this to be addressed over the last month. 

In addition, during our multitude of calls to SunTrust concerning this case these last few months at least eight different SunTrust employees, including multiple supervisors, clearly stated that our case would be resolved by the deadline which was XX/XX/XXXX. However, when calling into SunTrust on XX/XX/XXXX the story was suddenly changed to the XXXX. Supposedly the staff member on the phone stated they would escalate the matter to XXXX XXXX as urgent to finally have our funds deposited the next day. However, XXXX XXXX has again ignored the matter and has not reached out to us. 

The evidence of the fraud we promptly provided SunTrust 's employe in regards to this case is clear and undeniable. There is no need of this behavior from XXXX XXXX towards us. 

We are a small family ran business, and this has caused us delays in buying much needed supplies as we lost our relationship with an important vendor after not being able to pay for an order XX/XX/XXXX for we had budgeted in the {$1800.00} XXXX XXXX who on behalf of SunTrust had stated would be in our account the XXXX of 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 monetary relief
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
U S DEPT OF ED/GSL/ATL / XXXX / {$0.00} U S DEPT OF ED/GSL/ATL XXXX XXXX XXXX {$0.00} U S DEPT OF ED/GSL/ATL / XXXX / {$0.00} U S DEPT OF ED/GSL/ATL / XXXX / {$0.00} U S DEPT OF ED/GSL/ATL / XXXX XXXX {$0.00} 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy XXXX XXXX ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2021-05-19
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: Information belongs to someone else

Complaint:
I have fraudulent inquiries on my credit report that I request be removed under the FCRA. I have attached proof of my Identity, address, and Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On the XX/XX/XXXX, I made a XXXX SEPA transfer from my XXXX Bank Account to Coinbase Account in XXXX XXXX Account. I noticed something could go wrong as I made the transfer in GBP to their XXXX account. 

So on Thursday XX/XX/XXXX I sent them an email ( XXXX ) asking them to look into the transfer and to tell me what was going on. They gave me an automated template reply and that was it. 

On XX/XX/XXXX I sent them another e-mail asking for information again. 

During the following 10 days, I spent my time searching the net for contacts, feedback from other users and sent a couple of XXXX to Coinbase account. Nothing still. 

On XX/XX/XXXX they finally replied telling me how to do a SEPA transfer. Nothing relating to solving the issue. 

XX/XX/XXXX I called my bank ( XXXX ) and they confirmed the money had been received on XX/XX/XXXX and it would most probably what is called a Holding Account. So I took that information and sent them another email with all the details of the transfer. Name, date of transfer, amount, IBAN, SWIFT, Unique Transfer Reference Number and Account Reference Number. 

On XX/XX/XXXX, 3 tickets later, I sent them another email, this time threatening action. 

On XX/XX/XXXX, they finally email me back asking for proof of transfer. A screenshot of the payment that shows the IBAN and a portal address for me to upload to. I did straight away. 

Until now, nothing else. 

I understand I made a mistake. I 've never done a SEPA transfer and the currency option got completely overlooked. BUT 13 working days for a transfer that should take around 1-3 working days is a JOKE. 22 days in limbo without knowing what has happened to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Carter-Young, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I moved out of the apartments, I signed my contract over to someone else. My rent was paid in full. 6 months later they said I never paid the last month. However, they wouldnt let me move out until I paid the rent in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX, 2017 Dear Equifax, XXXX It is now XXXX XXXX you received the first correspondence on XXXX XXXX which means your 30 days to Validate such has expired. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. Also as of XXXX XXXX, all public records are to be removed you have yet to comply.
My mother is in the XXXX XXXX of XXXX, therefore, I am dealing with our family attorney to handle her affairs. Per our attorney, You are in direct violation of my rights If I owe such debt let the collections agency send me validation, You do not have the right to play XXXX with someones family. I request an immediate deletion of all negative items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: GA
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:
This is in relation to CFPB XXXX. The information sent from XXXX  shows FRAUD. The information shown on my report shows someone was making payment after XX/XX/XXXX. No one was authorized to make any payments Nor did anyone tender payments to XXXX  on my behalf. 

Who was making payments in XXXX? 

You currently show this account as Charge-off with 60, 90, and 120 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You show Delinquency First Reported XX/XX/XXXX. If the last payment was an Insurance check for a totaled vehicle in XX/XX/XXXX. 

who was making payments after XX/XX/XXXX. 

This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the middle of XXXX I began applying for a mortgage. I had gotten pre approval letters from 3 lenders for USDA Guaranteed loan. I was approved by Quicken loans had an approval letter, and put in an offer on a house that was to be built. 

Everything was processed, and when I asked for the next step in the process, they told me it was the " good faith deposit '' of {$500.00}, that would be used to pay for the appraisal and roll into the closing costs. I was assured this would be refundable, as the appraisal wasnt going to be done until the home was built. Of course, this was never mentioned until I pointed out that they were not my only potential lender, as I was shopping around, suddenly, they needed a deposit. 
DO NOT AGREE TO QUICKEN LOANS GOOD FAITH DEPOSIT AGREEMENT! 

after 8 weeks, and submitting every document requested, i was told last night that Quicken loans was unable to approve me through USDA financing. My very next step was to ask that the deposit be refunded. This morning I got a call trying to convince me to borrow money or get a gift for a down payment, since my only option was going to FHA loan. When I told them that was not an option, they told me the appraisal had been done, and the money was not refundable. 
The appraisal they gave me and my request for a refund were both dated XX/XX/2019. 

I was adamant that the money would be refundable, and was told the appraisal would not be completed until the home was built. This was only a deposit to continue to process my loan. I was lied to. 

I feel that the lender is a scam, knowingly progressing to a point of no return, then having it all blow up in my face, walking away with my {$500.00}. 

How could I get to this point with USDA financing, only to be told they cant do it. I am aghast. 

Why would a company request an appraisal for a home not yet built, knowing full well they will not be able to finance the loan with the agreed upon terms?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a credit card for The XXXX XXXX XXXX through Comenity in XX/XX/XXXX. The first purchases and payments processed as expected. I typically pay all my bills using by bank 's online bill pay service, and give sufficient time for the payment to be mailed. And I always pay the entire balance. 

My next 3 bills were paid in the same way through my bank 's online bill pay. Yet all of the payments posted 1 day after the due date. At first I thought maybe I made a mistake and did not give sufficient time, however my payment in XXXX was sent 2 weeks before the due date. Not a single other payment to another credit card company or utility arrived late that month, or any other month for that matter. 

When I called their customer service, they were willing to waive a single late fee, but essentially said that because I did not use the ACH feature on their website, they could not guarantee a mailed payment would arrive on time. 

While frustrated, I decided to make the last payment through their ACH feature on their website. I submitted my bank account information on XX/XX/XXXX, for the entire remaining balance. The due date was XX/XX/XXXX. 

I also requested that the account be closed, as I will not longer be using this card. I received an email confirmation that the account is closed. 

This weekend I received a bill for {$2.00} as a finance charge, which was assessed on XX/XX/XXXX. It is not clear to my why I would be assessed a finance charge when I paid the entire balance and the account is supposed to be closed. 

While collecting documents for this complaint, I realized that all payments, except the XX/XX/XXXX payment, were actually completed by ACH, so Comenity should have received the money very quickly. Making their finance charges and late fees very suspicious for fraud.

I am concerned that Comenity is applying late fees and finance charges inappropriately, and that many consumers are paying fees unnecessarily. I also suspect that someone is holding check payments until after the due date, purely to be able to assess late fees and finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I called Automobile Acceptance because I noticed that my credit report is reporting a balance of {$13000.00} and is saying that I failed to pay every single month even though I respectfully asked to to come pick it up due to my inability to pay the note due to me losing my job.. I voluntarily gave them the vehicle back because I lost my job and my ex husband stopped paying the car note for he paid it every month since he had me get it. The account shows as a repossession, which it was not it was a voluntary repo due to my change in my finances, but I never received a call or a piece of mail since they picked up the car from my home. I have had the same phone number the entire time, since XXXX. I never even received a letter stating the remaining balance after the sale of the vehicle. I had to consult with an attorney that advised me of the steps to take and this was one before entering into litigation at which I hope that is not necessary. I updated my address with them in XXXX when I moved and in XXXX when they called me about the late payment and I told them I could no longer afford.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A request was made to pay my daughter 's softball coach for equipment and uniforms using Venmo. I was not completely aware of how Venmo worked and looked up the Coach 's name on Venmo. I found a XXXX on Venmo assuming this was the coach name, I transferred {$410.00} to this account. When I saw the coach on the XXXX of XXXX she advised me that she had not received the payment on Venmo. I told her that I sent it on Venmo to the address of XXXX, the Coach stated that was not her account her Venmo account was XXXX XXXX @ XXXX. I submitted a form to Venmo, no response, so I called their customer service department, I was told that there was nothing they could do. Their suggestion was to continue to reach out to XXXX XXXX and request the funds be transferred back. I asked Venmo for a telephone number and email address for XXXX and they stated it was company policy to give out the information. I asked them why then would they allow users who have so closely related names, exact names as a matter of fact to be able to use Venmo in that fashion. The lady at Venmo said she didn't make the policies. She advised was to continue to reach out to the XXXX and see if she would send back the money. I have attempted numerous times to contact XXXX about returning the funds as they did not belong to her. And I have reached out to Venmo to do the same, and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions Inc.
State: GA
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:
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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


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 explanation