BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XXXX of XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 
The funds were transferred utilizing Coinbase 's services in the total amount of XXXX GBP! 
I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2016, I signed on with a credit counselor, who then contacted several creditors I had and they've been working with me to pay those off, since then One pf my creditors, being handled by ACCC, is XXXX. They are incorectly contacting me with statements that do not show their agreement to work with ACCC. However, when I call in, and the computer tells me information about my account, the information is correct. When I talk with a person, they tell me the other story. Right now, it's that a payment was missed last month, and my due date is my old one from before I started with the ACCC, of the XXXX of the month. With the ACCC, I had asked for, and received a change of that to the XXXX of the month. The statements I received do not reflect the realityof what is happening, even though it is somewhere in their computer, becaue the computer in the first part of the call, has the correct information. 

By the way, I've received the incorrect statements about every week, too. This is the 3rd one this month.

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 2021-11-04
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 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 is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 correspondence to the Consumer Financial Protection Bureau regarding concerns about the level of transparency and lack of written correspondence from Trans Union who acted on my behalf to investigate the legitimacy of Synchrony Banks business practices which include charging excessive fees, high interest rates, and refusal to honor higher payments than the amount due by continuing to ask for payment each month from a consumer who is a XXXX XXXX  at the time the account was active and not in collections. The creditor must provide in writing how it did not discriminate against a XXXX XXXX  by offering an extension of credit at an interest rate that is considered higher than the national average. XXXX XXXX  must provide in writing why it assessed such high interest which is deemed discriminatory and must remove all information from my credit report if it does not fully disclose in writing to the consumer the credit report rating it used to assess such a high interest rate. It must also provide an explanation why advanced payments at higher amounts did not constitute relief from the bank. Under the Fair Credit Reporting Act, consumer reporting agencies like TransUnion must corret or delete inaccurate, incomplete, or unverifiable information usually within 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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
TRANSUNION HAS VIOLATED MY CONSUMER RIGHTS BY NOT HONORING THE FCRA THIS ( FOR PROFIT COMPANY ) HAS REMOVED AN ACCOUNT AND MADE THAT SAME ACCOUNT MAGICALLY REAPPEAR AGAINST THE FAIR CREDIT REPORTING ACT. I ALSO SPOKE WITH NOW 3 SUPERVISORS IN THE SPECIALIZED FRAUD TEAM WHO WERE NOT EXCITED TO DO THEIR JOB IN XXXX, PA XXXX, XXXX XXXX, AND ALSO XXXX. THEY BOTH SAID THAT THEY WERE SORRY WHICH THEY COULD CARELESS! AND KEPT INFORMING ME THAT THE CREDITOR IS THE REASON! IF YOU KNOW LIKE I KNOW THEN YOU WOULD KNOW THAT THE CREDIT BUREAUS HAVE TO SHOW 100 % VERIFIABLE PROOF ANYTIME THEY VERIFY AND SAY THAT A FRAUDULENT ACCOUNT IS YOURS. IF THEY DON'T PROVIDE IT THEY HAVE TO REMOVE IT! SO PLEASE XXXX XXXX EXECUTIVE VP FOR TRANUNION ALONG WITH XXXX XXXX PRESIDENT OF US INFO AT TRANSUNION.PLEASE GET BACK TO ME AND TELL ME WHY YOU ALL ARE VIOLATING MY RIGHTS AS WELL AS OTHER CONSUMER RIGHTS!

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 2019-12-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
HSBC XXXX Branch at XXXX  XXXX/XXXX ( XXXX XXXX XXXX XXXX, Washington, DC XXXX ) made repeated errors at multiple levels over a period of +30 daysin properly executing a formally requested international wire of {$320000.00} from HSBC to XXXX. The wire request was initiated on XX/XX/XXXX, but due to delays and error, HSBC did not abide by the client 's instructions. In fact, due to repeated errors, the wire was sent two times and the bank introduced new set of multiple errors again on XX/XX/XXXX.These errors by the remitting HSBC bank , have resulted in a substantial loss of funds ( {$5500.00} in net value + {$960.00} in unrealizedlost interest for 31 days@ 3.55 % ) ( {$5500.00} in net value + lost net HBSC interest for 1 month@ 1.8 % ). Had HSBC used the correct guidelines and customer instructions to process the first and second international wire on XX/XX/XXXX and XX/XX/XXXX, respectively, this loss could have been avoided. 

Point of Concerns 1. These repeated errors by a multinational remitting HSBC bank led to these funds being kept for almost one month under " so-called wiring stage '' and has raised serious concerns because the customer made repeated attempts to communicate instructions to immediately wire. 
2. HSBC bank did not follow specific written instructions provided to the branch and WIRE department on XX/XX/XXXX for no apparent reason. 
3. HSBC bank 's failure to use the complete SWIFT Code ; use of incomplete SWIFT Code along with IFSC Code used by domestic wiring ; and did not add 0 to the account number listed at second place. 
4. Why did HSBC intentionally avoid providing the SWIFT Copy and Computer generated printout of dated WIRE Path? 
5. Although the client co-addressed or copied all e-mail communication to the Branch Manager and Assigned XXXX Manager, both of these officer kept themselves out of communicating with the client. 
Did you contact the branch : 1. We contacted the customer service on XX/XX/XXXX ( see attachment 1 ) 2.  The bank responded on XXXX without honoring our complaint and a fair evaluation, while totally ignoring relevant factual errors created by the bank ( see attachment 2 ). 
3. We again contacted the bank on XX/XX/XXXX with our disagreement. The bank ignored toaddress points # 2 and # 3, while again the factual documentation about the wire instructions to HSBC in XXXX. We also pointed out that the bank letter contained statements that were not supported by any documentation, and that we specifically raised the issue that " both parts of your statement are false '' and provided supporting evidence from the material provided by HBSC and XXXX. ( see attachment 3 ) 4. Bank responded back again with a negative response, while again, ignoring the facts of the matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
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:
Equifax didnt remove the fraudulent data from my credit report. I submitted a dispute, disputing the accounts and inquiries that I didnt make and that were listed on my Identity Thief Report and after their investigation they found the data to be accurate. My credit is so damaged by this inaccurate information, Im not able to get a loan or anything that requires good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
IC Systems has added a collections my credit report for the amount of {$210.00}. The debt in references was originally owed by XXXX XXXX XXXX and was apart of a XXXX with a recurring monthly payment. XXXX and IC Systems failed to send any notification of owing a past due balance and instead added the collections to my credit report. 
The account was cancelled with XXXX XXXX XXXX between in 2015 as our dog " XXXX '' was stolen from our property and a police report was made. XXXX was notified immediately via phone call at the XXXX location and our account was cancelled. 
After the cancellation we were still being billed for pet care through automatic debt on an old account that was closed. After speaking with a representative from IC Systems we were informed about a contract that apparently stated that regardless of the dog being stolen we still had to pay. We have submitted a dispute for verification of the debt and a copy of the contract with XXXX but we have not been provided anything from IC Systems. Even though the debt has not been verified it still remains on 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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My vehicle has been paid off since XX/XX/2023 and the credit bureaus have not updated my report causing me to not be able to apply for any type of loan or credit line increases. What baffles me is if it were bad debt it would have thrown on my report immediately. This practice is harming XXXX and XXXX people hindering us from improving our credit. This should not be a practice of the bureaus if its paid off why does it take 60 days to appear as such on my report and I was told several times that it takes up to 60 day but not actually 60 days it would be before they just gave the 50 day window. As I stated the vehicle was paid off in XX/XX/2023 there is no real reason this and to me this is discrimination. 

This is a practice I do not understand and I wouldnt understand the explanation behind it the vehicle was reported paid off by XXXX the lender.

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXX XXXX XXXXXXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the [ XXXX XXXXXXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX } In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/31 I was made aware that my checks from my bill pay service had the incorrect account number this was after I was paying the correct amount and sending to the creditor from my bill pay service. Before this letter arrived Comenity Bank the issuer of this card was charging me {$29.00} each month and I was unaware of these fees. I was charged a total of {$140.00} and they gave me credit for {$29.00} and they will not credit my account any further. I did not realize this error until 6 late payments were charged as the credit card company did not notify me of the problem. 

I have tried to call to resolve this issue, but the Account managers say they can do nothing even though they are aware that this was an error in entering the correct account number using my bill pay service, but the check was arriving before the due date. The current amount that is owed on the late fees is {$110.00} and I am asking for those fees to be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing this complaint against XXXX, XXXX and Transunion for inaccurate reporting on my credit reports. On XX/XX/2021 under the Fair Credit Reporting Act, I filed a dispute with each credit bureau where I sent a copy of my Title to my Car and a letter from XXXX XXXX showing that my account has been paid in full. Neither credit bureau updated my report to show that this account has been paid in full. Upon completion of the dispute the credit bureaus decided to ignore my Title and the letter submitted and continues to report this account as Open and with a balance. The credit bureaus are supposed to report accurate information in accordance with the Fair Credit Reporting Act. I provided a copy of my Title and a copy of a letter showing my account with XXXX XXXX has been satisfied there is nothing for the credit bureaus to do but report this account correctly and/or remove it from my credit files. It should not be this hard to get the credit bureaus to follow the law.

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 2019-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a notice in XX/XX/2019 that my account would be closed due to inactivity. I requested a new card at the end of XX/XX/XXXX, but never received it. My account was subsequently closed in XX/XX/XXXX. I have never had a late payment on the card, my balance was XXXX, and I have had the account for over 15 years. When I realized the account had been closed, I immediately contact capital one, within days, ( even thought I wasn't notified of the official closure ). They said they would review my request to reopen and then mail me a letter in 7-10 business days with the decision. I never received the letter. I called on XX/XX/XXXX and was informed that they made the decision not to reopen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX, I contacted First Mark Services regarding time urgent need for assistance for deferment on my XXXX  Held loans, to discuss the dire need for help no these loans both due to COVID-19 and two natural disasters which affected my employment in the counties which I reside. I was on hold for two hours, only to be then be disconnected by an inept agent attempting to process the Natural Disaster Forbearance per my request either for the COVID-19 relief, or the other natural disasters affecting my employment occurring in XXXX XXXX ( Wildfires ) and earthquakes in XX/XX/XXXX. 

I am in need of dire assistance with forbearance on these loans, as previously promised to me by First Mark staff -- whom are often extremely inept at assisting me, providing very conflicting information each time. I am requesting immediate assistance from First Mark to ensure that these loans are being processed for the Natural Disaster forbearance as promised previously on my XXXX XXXX  loans. This matter is time urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 16 accounts on my report related to student loans but Im XXXX years old and Ive never been to college or attended any courses. I believe my information was used by someone that knows me. 8 accounts are showing outstanding balances and 8 accounts are showing paid in full. I have no knowledge of these accounts and did not give permission for my information to be used.

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