BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
from your website : CFPB Orders TransUnion and XXXX to Pay for Deceiving Consumers in Marketing Credit Scores and Credit Products they are still deceiving people looking for their credit score ..the transunion.com website will not show credit score.. has a link " to see your credit score '' only way to see your credit score from transunion .. you must purchase your credit score by signing up for XXXX per month. 

on top of that i applied for a medical loan for services not covered by insurance through XXXX  and XXXX  XXXX XXXX through my doctors office .. loan was denied information supplied by transunion siad my credit score was XXXX. 
XXXX  and XXXX show my credit score as over 700 on top of that transunion is incorrect showing my mortgage was not paid. i dont have time to correct then reapply for medical expenses loan..

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 2022-02-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.

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 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This complaint is against Trans union and not getting proper customer service. I wanted assistance with removing old student loan account which no longer belonged to me on the account they were all sold and the statue of limitations has passed. I was told by a rep. that the 7 year limitations did not apply to the items listed on my credit report. I asked could i speak with a manager. After I was connected to a manager I explained the issue and he hung up in my face.
I only ever had 2 student loans. The loans are showing 4 times. They have also been sold a few times and no longer belong to me under the account names nor do I have any agreement with any lender. I would simply like them removed.
I have attached the accounts and the tenure of the allotment by Trans Union to stay on my credit report over the 7 year limitations.
I also had to call a different number for Trans Union that was not listed on the website but given to me a by rep. I felt uneasy and not sure if i would become a victim of identity theft.
XXXX I am requesting the items removed : XXXX XXXX XXXX  Closed : XX/XX/XXXX XX/XX/XXXX ( 8 yrs, 4 mos ) + {$0.00} Closed XXXX Closed :XX/XX/XXXX XX/XX/XXXX( 8 yrs, 4 mos ) + {$0.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX XX/XX/XXXX ( 7 yrs, 5 mos ) + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX  Closed : XX/XX/XXXX XX/XX/XXXX ( 7 yrs, 5 mos )

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 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out to TransUnion, XXXX and XXXX about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. Transunion, XXXX and XXXX all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) XXXX XXXX ( XXXX/XXXX/2016 ) XXXX XXXX XXXX XXXX ( XXXX/XXXX/2016 & XXXX/XXXX/2016 ) .XXXX XXXX XXXX ( XXXX/XXXX/2016 )

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 2022-02-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have new and updated information regarding a complaint that I previously made. I sent CREDIT ACCEPTANCE CORPORATION a cease and desist and it was received on there end on XX/XX/22. I also followed up with an affidavit of truth on XX/XX/22 and it has yet to be rebutted line from line which stands TRUTH by law. I recently received another statement on XX/XX/22 from credit acceptance after I demanded to cease and desist which is a violation. I did not give consent for credit acceptance to contact me which is causing me personal damages. My initial letter for request of validation was sent and received by credit acceptance on XX/XX/XXXX, and there response was beyond the 30days that was given which has prolonged this. I am the original creditor which puts there company in federal violations.

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 2022-02-05
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I initiated 2 transfers totaling {$720.00} and {$30.00} and they were promised with a maximum of 10 days transfer time. After that I initiated a dispute with my payment method around XX/XX/XXXX till XXXX, 2021. My bank suggested that I contract the company. I tried contacting the company via email, live chat, and phone. Some of my emails where not answered at all or just generic responses. 

My recipient has still not gotten the money, around 3 months after the transfer and I am currently not been refunded as of XX/XX/2021. 



I submitted a complaint to the California Department of Financial Protection and Innovation on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I don't understand why my credit score has dropped 13 points and nothing has changed from the last report date. I feel that this reporting system is taking advantage of consumers. There is no reason why my Transunion credit should have dropped 13 points. This system is unethical no morals what so ever. I need my 13 points back on my report immediately. Can  you please assist me thank you.

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 2022-02-05
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had an account with Coinbase since XXXX and have used it successfully on and off since then. However, since XXXX XXXX, the funds in my account have been frozen, with no clear reason provided by Coinbase. When I log in to my account, I am asked to reverify my identity, which I am happy to do. I am familiar with the process, having gone through with it to set up my account. Since XXXX, I have performed the process of identify verification exactly as requested at least XXXX times, but always without success, according to their automated system. I have provided them with my drivers license ( the same one I used to open the account, with no change other than an updated expiration date ), my passport, and even my birth certificate, but always without success. I have opened XXXX support tickets to address this issue. The Coinbase support team has always been very slow to respond and when they do, it is evident that no human being has taken the time to read the particulars of the problems I am having with their system. Usually they send a canned response instructing me to repeat the same steps that I have tried and failed many times or say something like " We've transferred your case to our team of specialists to look into this further, '' but there is never any indication that they have done so. In fact, the content of their responses make me believe they have all been from an automated system, never from an actual human being. My first support ticket was closed ( after several weeks of what felt like talking to a bot ) for no reason, not to my satisfaction. My second support ticket has so far been treated much like the first, with no indication that a human being has even read what I wrote. 

These are my support tickets to Coinbase : Case # XXXX ( closed, not to my satisfaction ) Case # XXXX ( currently open and ignored )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
IVE BEEN A VICTIM OF IDENTITY THEFT.

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 2018-01-03
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX 2017, U.S. Bank authorized a transaction in the amount of {$33.00} that caused an overdraft. It was a one-time purchase from a store I shop at regularly. I do not have overdraft coverage. However, they let my account overdraft anyway, and charged me a {$36.00} overdraft fee. 

My agreement states they will not authorize an overdraft without coverage unless it 's through a check or transaction using my account number, automatic bill payments, or a recurring transaction, such as a monthly gym membership. 

Upon contacting their customer service, they stated that it was a recurring transaction. After questioning how it would be considered recurring if it 's just a one-time purchase, they replied, saying it 's because I shop there frequently and they 're considered a recurring merchant. 

The definition of a recurring transaction is a charge applied in predetermined intervals such as a subscription or membership. And my agreement with U.S. Bank even uses a monthly membership as an example. I have NOT found a definition that includes frequent one-time purchases from the same store. And my agreement with U.S. Bank does NOT include that as part of their definition either.

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 2021-12-29
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
The charge on XXXX XXXX for XXXX XXXX on XX/XX/2021 for {$79.00} did not earn 6x points for spending the card at a XXXX XXXX. A case was opened and on XX/XX/XXXX I live talked with one of the agent on amex website and the agent said that this charge is a valid XXXX merchant. However the agent on XX/XX/XXXX saying that I will not earn 6x points on the purchase. 
The charge on XXXX XXXX for XXXX on XX/XX/XXXX I received the bonus 14x points for spending the card at a XXXX XXXX. However I still have not received the {$250.00} XXXX resort credit for this purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2017 I tried to check my balance via mobile app. I know my user name and password but on the first attempt got an error message telling me the maximum number of attempts have been made call XXXX. I call 25 minute wait time. I go do other thing call again, wait the twenty minutes and get a recording telling me I " ca n't be verified online, on the phone or in person ''. I drive to a branch and the teller inside says she has heard from many people today about this and the wait time is long. I ask if they have been hacked. No answer to that. I explain I just want to know what my balance is, want to be able to access my account online and she verifies me with my state drivers license, recent deposit and i suppose the fact i have my account number memorized, and she writes down the balance for me. I ask if I go to the atm, pointing to the drive thru behind her, will it eat my card, or when I go to use it will it be declined at merchants today, she says no. So I am all set, except the next day when I try to log in, I get the same error message. I call, long hold times. I wait for a person to pivot up. I have never been so rudely treated by not one but two employees. The problem is yours, TD, verified after I went out of my way Sun to go to a branch and confirmed there that your system was having problems. XXXX in small business in Maine  office, as a manager who was to help after the offensive XXXX, did nothing to help, but piled on more abuse. I can not tell you the answer to a specific security question you are asking, but I can tell you many more things and did. Like the monthly check deposited on the XX/XX/XXXX every month each the amount. Or how frequently my employer deposits. Seriously, you have only one security question of your making not mine that I ca n't answer. I do not recall who I last made an ACH payment from this account because I do many in a month and have more then one bank I do this with! So here it is now Wed and I so have the same error message on a single correct attempt to view my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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 rights were violated pursuant to Federal 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 explanation
Consumer complaint received 2020-04-26
Company: EQUIFAX, 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:
Equifax is reporting a collections item ( # XXXX ) without naming the collection company which allegedly is trying to collect the debt. Clearly this is 100 % inaccurate as how can I possibly dispute this item with the collection company if I don't know who it is. 

I have written to Equifax two times but they failed in both cases to properly validate the debt as required under the Fair Debt Collection Practices Act. Their continued listing these items on my credit report is a collection attempt which is barred under the the FTC Cass opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I came home today with checks that are in my name from TD bank. First I called the company that makes the checks and she transferred me to the bank. was on hold for 40 min. guy answered asked me account number debit card number or my social security number. i gave the account number cause i was sure as XXXX not giving out my social. he claims he would take care of it and transferred me to fraud and i have been on hold for 1 hour. My address is on the checks but my old number is on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been enrolled in auto pay throug Navient for over one year. My interest rates changed on my private loans in the last month, yet I am paying late fees for XXXX and XXXX. One representative told me it was an error and it would be handled. It never was. Another told me it’s only for XXXX, which is incorrect based on the statement provided from Navient. A supervisor told me it’s an accumulation for months yet I have never been informed. And another representative told me the company doesn’t know when rates change so they don’t know what my payments should be. I am a XXXX year old XXXX  struggling to make the payments monthly, but I have been paying as requested, even the late fees even though no one at the company can provide me with an accurate answer as to where the late fees are coming from. I spent 2.5 hours on the phone just today and still could not get an answer but was switched between representatives and supervisors countless times. They’re unprofessional on the phone, claiming I don’t pay, when my payments are automatically withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: ATLANTIC PACIFIC MORTGAGE CORP
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
It has been five years plus since 2012 that I have been trying to get my escrow back from XXXX when they sold my mortgage to XXXX which violated my consumer rights ( letter to Insurance company to change the Mortgagor to XXXX ). Attached is a copy of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: RI
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:
Equifax has a late payment reporting error on my credit report for {$7.00}! It is the only negative blemish on open accounts for me. Everytime I try to send them a correction, their system crashes. It just about looks intentional

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: DISCOVER BANK
State: MA
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:
2 Loans Opened for supplemental funding of XXXX Studies : Loan 1 : {$6200.00} ( Paid in full XX/XX/XXXX ) Loan 2 : {$2800.00} ( Paid in full XX/XX/XXXX ) As of XX/XX/XXXX my credit report still shows the following debt : Account # : {$6200.00} Account # : {$2800.00} I have taken out multiple loans with this incorrect debt impacting my credit score and available interest rates. Discover has been reporting invalid debt for over 4 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX all the XXXX XXXX credit card sending in XXXX and XXXX and XXXX XXXX XXXX loan account suppose to be removed from my credit report the have a federal trade commissions report on file these items suppose to be deleted or blocked from showing 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 non-monetary relief
Consumer complaint received 2018-01-03
Company: Rent Recover, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My husband is a Veteran we was living at an apartment in XXXX XXXX, due to financial difficulties we had to break the lease. We paid all our rent up to the month we left. We break the lease 2 month before the lease was up. For the 2 years we were living at the apartment we never miss a payment or paid late. When we were leaving we went to the office spoke to the apartment personnel about breaking the lease and told them we will pay when our situation change they promise they wont put it on our credit and turn around and sold it to a collection agency that place it on our report and has been bugging us. This fee is just for breaking the lease 2 month before it ended not for owing rent now we have to stay on base with a family member because we cant get anywhere to rent with that on our report

Company response to consumer: Untimely response