BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
The XXXX  marketing opt-out page has been down for over a week. It is currently not possible to opt out of having my private transaction data with other entities without my consent. 

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 2019-11-07
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX continues to furnish information on account incorrectly. Payment never late. Reported on XXXX as on time. Continue to violate FCRA Guidelines .Department of Education Navinet continues to furnish incorrect information on credit file. Company has multiple accounts on credit file displaying negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX  inquiry XX/XX/2017 XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XX/XX/2017 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, TX 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 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
THERE ARE SEVERAL ALLEGED UNKNOWN INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF THEM

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted Identity Theft reports and required documentation for proof of my identity to credit bureaus along with requests for complete credit file disclosures from the companies listed but Ive only received credit reports. Im asking for all the information and documentation that each agency has stored on my file. A full individual file disclosure associated with my identity so I can confirm the accuracy of the information in the file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My Lexis Nexis report indicates that XXXXXXXX XXXX XXXXXXXX XXXX ran XXXX inquiries on my report on XX/XX/2023. At this time, my file was frozen. 


XXXXXXXX XXXX XXXXXXXX XXXX didn't have my permission to request a report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and 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 non-monetary relief
Consumer complaint received 2019-02-01
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:
Both XXXX  and Transunion are dropping my credit score for no apparent reason that can affect an auto purchase at 0 % financing if I choose to buy a new car. They need to stop.

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 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX and 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 2017-12-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Shellpoint Mortgage is the servicer of the loan. Due to my wife 's illness we struggled making payments. By law, we were offered Foreclosure Avoidance Assessment ( loan mitigation options ). I replied asking for forbearance until we got on our feet. I was never given an answer on this request. 

Instead I was asked for documents to support a loan modification. I provided all the requested documents. I explained that my wife was in XXXX and was again working full time. I explained I had obtained a XXXX XXXX. I was working part time to achieve a full year of XXXX experience, which is required for most XXXX XXXX positions. I started my job on XXXX/XXXX/XXXX. 

Shellpoint kept sending me correspondence asking for the same documents. I responded each time to these requests. I was never given an answer on the loan modification. They kept saying I could do a short sale. I explained that I had over {$200000.00} equity in the home and that our plan is to keep it. I said we were ready to begin making payments and just needed conformation. 

I was given the following ways to contact Shellpoint. Fax at XXXX or e-mail at XXXXXXXXXXXX. I used the fax number to send the requested documents. I have the confirmation from theses faxes. I used the e-mail address asking for confirmation of receipt. I have a total of seven saved sent e-mails asking for confirmation of receipt of documents. I asked over and over to please respond to me e-mail request. They never did. 

On XXXX/XXXX/XXXX I received a letter saying foreclosure had begun. I assume the next step is after the required 30 days to file a notice of default. 

I have talked to a HUD counselor about next steps. He said I should keep pushing Shellpoint on why they would n't respond to my e-mail requests concerning receipt of requested documents. He said it is possible they have been stalling because after 30 days of working on loss mitigation options they can start foreclosure if there is no agreement. He has also given me a referral for a foreclosure attorney.

I have detailed documentation of all these interactions with dates and confirmations of faxes or Priority US PS mailings. I do n't have a scanner so I ca n't attach them here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from IC System. I had previously disputed this account. I have never done business with IC System. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I have an unverified account from IC System. I had previously disputed this account. I have never done business with IC System. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that IC System provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this  account. 

Please provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on 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 explanation
Consumer complaint received 2017-12-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an account with Coinbase/XXXX that was unexpectedly disabled right before an extremely large surge in price. My account was already verified and active ( successfully trading for days prior ). Timeline as follows ... 

XXXX XXXX : Account is disabled after a sell of all my coin on that exchange at XXXX XXXX {$8100.00} USD ).  Plan to buy the dip was unable to be fulfilled. ( H:XXXX, L:XXXX ). Instructed to call support, but no phone support available and no voicemail able to be left. Emailed support via website. 

XXXX XXXX : No response, little activity in BTC. 

XXXX XXXX : Still no response, still attempting to call and email. Market surges in value ( H : XXXX ). Start a withdrawal despite website status stating that US withdrawals are experiencing issues. 

XXXX XXXX : Submit another request as market surges yet again ( H:XXXX ). Also file complaint with the BBB ( hadnt thought to file with CFPB yet. No responses.

Current : Received my USD funds, but will be unable to capitalize on market activity for several days due to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I respectfully urge you to update my account with the accurate information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: CORELOGIC INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, CREDCO add a hard inquiry on my credit report. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have submitted several request for validation and verification of inaccurate accounts on my Transunion credit report. Transunion states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Transunion has ignored my request. Transunion still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region

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 2021-11-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has 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 inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I called USAA today XX/XX/XXXX because someone emailed me and said my account was closed. I get XXXX income on the first of the month so it was no time for me to change my direct posit they told me thats not their problem and that my account was close on the XXXX I never got a letter saying that my account was closed or anything like that Ive had that been for a very long time they know that I get direct apposite but yet they close it over {$29.00}. And then I told the lady that I cant be late with my bills she told me oh well maybe theyll see you the check and 20 days and I was like that wont work how am I going to feed my family. She said well send it in 20 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I submitted a complaint to all XXXX, Experian, and XXXX and at the same time, the XXXX. The complaint is number is XXXX. 

The complaint was about how a creditor on credit file, XXXX XXXX XXXX, sent me a threatening and coercing letter to me ( included attached ) and Im a deceptive manner referenced laws that did not exist in an effort to stop disputing legitimate complaints on my Credit report. 

It has been 46 days now and XXXX XXXX XXXX has not responded appropriately, honestly, or diligently to the complaint filed on XX/XX/2022, complaint number XXXX. 

They have attempted to conceal the complaint time and time again and tag it incorrectly, falsifying a U.S. Government document and entering falsifying data into the CFPB portal which has deprived me of my right to due process time and time again, and has broken state and federal laws in this process and actions. 

It has been 46 days and CFPB has done nothing yet to administer this complaint properly- and the credit bureaus have done nothing. 

I am going to sue everyone if you. You better start doing your job.

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 2023-07-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a credit card with Citizens Banks in XX/XX/2023. According to the terms of the credit card, I am supposed to receive 10 % cash back on all purchases up to {$1000.00} spent per month for the first nine months following the opening of the card. 

It is unclear when I need to spend {$1000.00} to receive 10 % back on purchases. The 10 % has been inconsistently applied to my transactions. Some transactions will code correctly with the 10 % back, then receive a lower amount, then go back up to 10 % all within the same month and before hitting the {$1000.00} XXXX. 

On Monday, XX/XX/2023, I spoke with a representative named XXXX to try to better understand the terms and how they are applied. I highlighted the error I described above to her and she struggled to explain when the {$1000.00} cap is counted from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX  is marking my payments as late when my account is currently frozen due to an existing lawsuit with the car dealership. The used car I purchased was illegally modified and would not pass a smog test, as well the engine gave out within a few weeks of purchase. I hired an attorney who named XXXX in the case as I am seeking to have the loan canceled and the car returned and the loan forgiven. Without warning XXXX froze my account due to the lawsuit. When I logged in to make a payment last XX/XX/2020 my online access showed that there were no active accounts/loans with XXXX. When I called I was told that my payments were frozen while in the lawsuit. About 10 months ago I checked my credit score and it had gone from Excellent to the high end of Fair. I realized XXXX had began marking my payments as missed. They never gave me any warning that they would be doing this. I tried contacting XXXX and was sent to their legal department, then was told my attorney would have to speak with theirs. 

XXXX  continues to mark my payments as late and my credit has diminished further. It is now Fair and recently dropped 126 points because of XXXX. Their attorneys have not resolved the issue and my attorney is still trying to settle my case. When I call XXXX the automatic system states that they are actively seeking payment from me, but when I attempt to speak to someone they give me no info or conflicting info. I still can not access my loan, I have not received a single statement, I do not receive emails from XXXX  other than marketing emails, and despite what their automatic system states I have not received a single phone call in regards to making a payment, and I have no way to make a payment to them. They are ruining my credit while I am in a lawsuit with them. I can not apply for a new car loan or a higher credit limit to improve my credit, or apply for an apartment because of my current credit shows over a year of missed payments. My credit would be flawless if it wasnt for XXXX  XXXX up. 

I attempted to resolve this through all 3 credit agencies but it is still not resolved. Ally is disputing my claims.

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