BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}

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 2018-01-23
Company: Experian Information Solutions Inc.
State: MO
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:
filing a complaint on EXPERIAN ... XXXX   ... .AND XXXX . 
these 3 credit bureau are resonsible for leaving old accounts in my credit report. 
MY ACCOUNT SUMMERY : OLDEST IS 7Yrs. 10mos. next is 2yrs. 5mo. last ,5yrs.3mo ... 
i have not ever taken out a loan, im on XXXX. my idenity has bn. used. and my so.security # S.Secuity number as well. i have filed with the FEDERAL TRADE COMMISION ..I HAVE A INDENITY THEFT REPORT. FTC REPORT NUMBER XXXX, which i will be sending a copie in the mail of faxed to your office ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
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: Old information reappears or never goes away

Complaint:
I have disputed an old XXXX account with Equifax and XXXX over a course of two years. The XXXX account has been closed ; however, a balance is reporting on my Equifax report as collections. Equifax has not provided any updated information on the validation of this account. I have requested a validation from XXXX too. To date, I have not received any information regarding this alleged account appearing on my credit report. Furthermore, I received a legal notice that my Equifax credit report has been hacked in 2017. Equifax has not provided any new information on disputes that I have requested or any new updates of the security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hippa Violation, asked for validation and they send an itemize bill which is not validation, show prove like a contract between you and I, never heard of CMRE and never done business with them to owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: BARCLAYS BANK DELAWARE
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I Had charges that were made on my XXXX XXXX credit card it is issued through Barclay, there were 2 cash advances that were made on my credit card for charges that I did not make nor did I Authorize. I have been going back and forth with Barclay for the last 3 months to have them issue a credit to my account they refuse to do so. The told me I am responsible for these charges,, even though I did not make them I am the only person authorized to use my card. they refuse to credit me or go after the company that charged my account to dispute these charges. While these charges were being made I received a text from XXXX XXXX Barclay asking about these charges and I responded back to them NO I did not make them, so they closed my account immediately and sent me out a replacement card. 
Charges were made on XXXX {$210.00} / XXXX {$100.00} Cash advance fees 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 monetary relief
Consumer complaint received 2018-01-23
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I requested for XXXX BTC to be sent from a digital wallet to my Coinbase wallet on XX/XX/XXXX. On XX/XX/XXXX, the transaction was confirmed, although the money does not show up in my Coinbase account. 

After verifying on the XXXX website, the money is in my account but the Coinbase interface does not allow me to access the money to sell. I will not be able to access the BTC without Coinbase 's assistance, and they are not responding to my requests. 

I 've tried to contact Coinbase several times via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by submitting requests through their website as instructed. I have received zero communication in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my 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 2022-12-19
Company: Experian Information Solutions Inc.
State: AR
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:
I just received my reinvestigation back from XXXX and EXPERIAN. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account listed below is not being reported accurate. The open date, date last active, the date of the last payment and the status is NOT 100 % accurate. 
XXXX XXXX XXXX XXXX XX/XX/2016 They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

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 2019-07-16
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Between XXXX and XX/XX/2016 I gave my apartment manager 30 day notice Verbally, she failed to mention it had to be written, she said ok I'll send you the paperwork for it. 2 weeks later she said she forgot, and then tried to charge me {$2000.00} extra after my father and primary applicant paid the last months rent. I had no damage to the apt . whatsoever and she took the whole {$2500.00} security deposit. My father, nor I was notified that she was going to sue. She knew we were just getting on XXXX XXXX XXXXXXXX XXXX, and that's why we were moving. My relative was the primary applicant, and paid each months rent and any late fees. She knew I had no income and was pregnant. Why am I being punished. Not only can myself, my husband whose a vet, and our XXXX children loose our housing voucher, but we could be homeless soon since I cant get approved to move into a new home. We are getting Denials, and we have a few weeks left to find a place. The manager made false accusations regarding what the security deposit was used for. The last almost 3 years we have been doing great with our landlord who would vouch for us as being good tenants, and plans to give us partial security deposit back. If I could get help with this, it would be greatly appreciated. This has been unfair and unjust. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
To whom this may concern, I purchased a new vehicle with XXXX XXXX XXXX XXXX on XX/XX/2022. I took the car in for service three different times. ( XX/XX/2022, XX/XX/2022, and XX/XX/2022 ) On the third visit, I was informed the vehicle had a nail in the tire. I was also informed replacement brake pads, and rotors are needed. The brake pads are on backorder. The car is under warranty, and I am being charged a full monthly payment ( XXXX ) while parts are being ordered for my vehicle. I have tried speaking with customer service to resolve this issue, but there is no resolution as of date. I was informed by one of the supervisors as long as the vehicle is in my possession the vehicle is not considered down or qualify for any credits. I would like further assistance into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: Early Warning Services, LLC
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I notified Early Warning they have incorrect information regarding myself w XXXX XXXX -- - Matter was adjudicated with XXXX back in XXXX -- - It is now XXXX. And they report incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: OR
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:
To whom it may concern, My initial interaction with XXXX XXXX Mortgage was brief and seamless. Unfortunately, my experience has quickly gone downhill. I currently have three mortgages under my name, and I have never missed a payment. My first step of owning a new property is setting up autopay. 

I set up autopay on XX/XX/XXXX, please see attached email confirmation that was sent to me. On XX/XX/XXXX I received a letter in the mail stating that my loan was going to be in default if I dont pay my mortgage. I called into XXXX and set up autopay again on XX/XX/XXXX with the help of a representative, please see attached email confirmation of this. I received another letter in the mail saying my loan was in default because my loan was not paid on time. I set up autopay for a third time on XX/XX/XXXX, calling in XXXX afterwards to express my concern with the matter. The XXXX employee was very helpful and encouraged me that this technical problem with setting up autopay would not negatively impact my credit score. 

Unfortunately, because of their system to set up autopay failed me, my credit went down more than XXXX points. I had an excellent credit score +760 and never paid late on prior debts. I have contacted XXXX and submitted formal complaints with all levels of customer service representatives. They explained to me that because, technically, my payment was late, they could not do anything about correcting this issue. My rebuttal to them is that the payment was only late because of their failed system. I took immediate initiative to resolve the problem when it was brought to my attention. XXXX told me that I needed to contact Experian and put in a claim with their customer service team. XXXX and Experian both gave me the run around and treated me like a number on a spreadsheet, not a human being. 

I am a small scale real-estate developer in XXXX, OR, and having a good XXXX XXXX is crucial to my success. Please, contact me for any additional information needed to complete this investigation. 

Thank you for your consideration, 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the reporting of inquiries that I have attached to the complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: MT
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX FIN XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the EQUIFAX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I would like this case looked at again, this is completely wrong what XXXX XXXX XXXX has done. 

I had a Home Equity line of credit, with XXXX XXXX XXXX, Loan XXXX as of XX/XX/XXXX they put me on a Balloon Modification program " trial period '' per the letter attached. IT states that the payments due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were the {$4400.00} due on XXXX of those months. Clearly as you can see in the copies of the cashed checks, all was paid each of those months onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX -- -- NOT LATE, I decided this loan payment was absurd and paid off the loan on XX/XX/XXXX, in full {$560000.00}!!!!! Clearly I am not going to accept their falsifying information on my credit score when it dropped from XXXX to the low 600s OVER 100 points!!!! This has effected my future purchases since then!!! AND AGAIN, completely false. I have attached all the documentation again along with MORE proof on the EQUIFAX CREDIT FILE XX/XX/XXXX CONFIRMATION # XXXX, ON PAGE 3 OF 6, SEE HIGHLIGHTED AREA WHERE SAYS AMOUNT PAST DUE AND SAYS {$0.00}. ON XX/XX/XXXX PAGE 4 SAYS SCHEDULED PAYMENT AMOUNT, {$1400.00}, ACUTAL PAYMENT AMOUNT ON SAME LINE {$4400.00} AND AMOUNT PAST DUE, XXXX!!!!! SAME FOR LINEXX/XX/XXXX ANDXX/XX/XXXX!!! SO HOW CAN THEY FALSIFY INFORMATION AND SAY I WAS LATE FOR XX/XX/XXXX AND XX/XX/XXXX SEE ALL ATTACHMENTS, I NEED THIS CORRECTED IMMEDIATELY I HAVE SPENT COUNTLESS HOURS ON THIS WITH FAXES AND PHONE CALLS TO XXXX XXXX XXXX WITH NO PREVAIL ... .I NEED THIS CORRECTED IMMEDIATELY PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: STERLING JEWELERS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A few weeks ago some one went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, to make a payment for me, on my account. The person making the payment is not in my account and is not authorized to get any information nor make any transactions, yet the customer service representative/sales agent provided information on my account without my authorization. This action caused a series of events that affected my life including the possibility of a divorce.Attempted to contact corporate office as well as customer service but phones are not working.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hi, I have transferred an amount of XXXXXXXX to my Coinbase account. However, I did use my wrong bank account for this ( not linked to my Coinbase account ). I used another SEPA bank account instead of my linked SEPA bank account. The amount of money that I did send has not been added to my Coinbase account. 

Afterwards, when I did find out about the NOT linked SEPA bank account, I eventually tried to link this specific SEPA bank account to the Coinbase account, by transferring an amount of XXXX XXXX again to Coinbase. This by hoping the initial transfer of EXXXX was going to be accepted in the end. 

Nothing happened and I start to create a case on Coinbase support. A support employee, named " XXXX '' responded initially on XX/XX/XXXX by looking into this transaction of EXXXX from the wrong NOT linked SEPA bank account. XXXX from Coinbase did reply afterwards that the issue has been investigated and acknowledged and a so-called specialist is going to address is properly. Support will contact me personally to follow-up with me as soon as they did have an update. 

This was the last reply I did get personally from support. 
However on XX/XX/XXXX I did receive an automated e-mail from Coinbase that the wrong payment of XXXXXXXX is going to be reversed to my local SEPA bank account ( sending bank ) within 1-2 business days. Afterwards I did receive on XX/XX/XXXX a second automated e-mail from Coinbase that the OTHER wrong payment of XXXXXXXX is going to be reversed to that very same local SEPA bank account. On XX/XX/XXXX ONLY the EXXXX did hit my local bank account ( and was successfully returned ). The EXXXX never was reversed. 

The EXXXX is now missing whereas I was in the assumption that this payment was going to be reversed as well. This never did happen and they are still holding my XXXXXXXX illegally. 

Starting from XX/XX/XXXX, support is NOT reacting anymore / replying my e-mails, while they should either respond what is going to happen to fix/address this issue. Also on XXXX forum they seem not to reply anymore on these cases. 

See XXXX XXXX XXXX for more information about the problems with this company. 

Thanks and best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
An very obviously fraudulent charge was placed on my gift card. I started a claim but they seem to deliberately slow things down hoping I just give up Got a {$500.00} gift card ( number is XXXX XXXX XXXX XXXX ) which magnetic strip was compromised. Called them to let them know and ask for a replacement card. Received replacement card ( number is XXXX XXXX XXXX XXXX ) tried to use it, magnetic stripe worked but transaction got declined. Called in and was told that my card XXXX was used in-store for a {$490.00} charge at a XXXX XXXX  that I have never been to. 
Charge is very obviously fraudulent and the blame is on gift card provider since card XXXX was supposed to be disabled at the time of the fraudulent transaction at XXXX XXXX, since transaction " happened '' after I called to let them know about the defective magnetic stripe. Charge was not even possible anyways since as mentioned magnetic stripe was not working. 

Since then, I have complied with all requests from cardholder services but they are not taking care of this issue and obviously try to slow things down waiting for me to give up. 

Extra Detailed Info Date of last interaction with business : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23
Company: ORG GC GP Buyer, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This dispute involves XXXX XXXX and their collection subsidiary GC Services Limited Partnership. I entered into a payment plan with GC Services Limited Partnership to reduce my interest rate, waive late fees, and pay off my debt. I was told it was a 27 month program where I paid {$200.00} per month which would cover my balance. At the time of this arrangement I had a past due amount owed. I was told that the past due amount was rolled into the balance and that the payments would cover the past due amount as well as the remaining balance. I checked my credit report however to find that since the arrangement in XX/XX/XXXX, I have still been receiving late payment reports on my credit report each and every month even though payments have been made each month. I was also told that the program of reduced interest and waived fees only in fact lasts 12 months, not the 27 months I was promised when I agreed to the payment arrangement. None of my {$200.00} payments had gone toward the past due amount. ( i 've paid {$1200.00} so far ) the past due amount was {$700.00} approximately so it should be paid at this point. Now I just get passed back and forth between XXXX and this collection service and no one can help me.

Company response to consumer: Closed with explanation