BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Dear XXXX, Transunion And XXXX, XXXX, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX XXXX XXXXThis is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXXHOW DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXX LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


XXXX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding XXXX to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back to me.

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 2022-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is formally made against Bank of America ( " B of A '' ). B of A has committed UDAAP violations, did not properly apply my mortgage payment, may have damaged my credit, improperly charged late fees, and misrepresented what will happen with my loan after the Cares Act forbearance has ended. 

Here are the facts. My wife was laid off as a result of the Covid-19 pandemic and I asked B of A to provide me with a forbearance. I specifically informed B of A at the time that I did not want a balloon payment at the end of the forbearance and wanted my maturity date to be extended the same length as the forbearance. I was informed by B of A that I will obtain a modification after the forbearance terminates that will extend the maturity date. 

In XX/XX/XXXX, instead of a loan modification agreement, I received a balloon loan agreement from B of A. I called B of A because my forbearance was ending in XX/XX/XXXX and I did not want the forbearance period to be placed at the end of the loan as a balloon payment ; I wanted a loan modification. B of A 's representative informed me that she will send me the loan modification paper work. 

I never received the paperwork and I paid XXXX 's mortgage payment on time. 
My mortgage statement showed that I have not paid for the XX/XX/XXXX mortgage payment. 

On XX/XX/XXXX I called B of A and the representative told me that the payment was applied to the XX/XX/XXXX periodic payment and not the XX/XX/XXXX periodic payment! She also informed that that she will send the loan modification paperwork but I will also have to provide financials. At no time did B of A mentioned that I had to provide financials to see if I qualify for a loan modification! 

On XX/XX/XXXX, I received another Balloon agreement and not a loan modification! 

I want the CFPB to investigate the unfair and deceptive practices of B of A because they are harming me and thousands of other borrowers who obtained a forbearance during the Covid-19 pandemic and are forced to sign balloon agreements or face dire consequences ( applying payments to the XXXX periodic payments and effectively harming credit scores ). 

I also want what B of A promised and provide me with a loan modification ( without financials ) which extends the maturity date the same amount of time as the forbearance, reverse the late charges, and ensure my credit report is not harmed by not applying payments appropriately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The Credit Bureaus have a late payment on my account that is reporting incorrect. I started this investigation with them XX/XX/2021. I still keep getting the same response. I need these items on my credit report updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2017-07-12
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
My credit reports are showing a {$1600.00} balance from XXXX XXXX XXXX owed to XXXX XXXX in the public records section. The filing dates listed on the record vary between bureaus. Equifax lists the filing date as XXXX XXXX, 2014 while XXXX lists the filing date as XXXX XXXX, 2014. <P/>Aside from the varying dates listed, I do not understand why this judgment is showing up in its current state. Under O.C.G.A. 44-7-52., : ( a ) Except as provided in subsection ( c ) of this Code section, in an action for nonpayment of rent, the tenant shall be allowed to tender to the landlord, within seven days of the day the tenant was served with the summons pursuant to Code Section 44-7-51, all rents allegedly owed plus the cost of the dispossessory warrant. *Such a tender shall be a complete defense to the action ; * provided, however, that a landlord is required to accept such a tender from any individual tenant after the issuance of a dispossessory summons only once in any 12 month period. <P/>In this case, my former landlord did file a dispossessory against me, but it never proceeded to eviction. After our court appearance, the landlord and I actually made amends. He would corroborate this information. <P/>My landlord agreed to let me out of my lease, I tendered the outstanding rent + court costs, and even ended up receiving a check *back* from the landlord from the deposit I paid before moving in. I also believe his new tenants moved in the day after I was gone. In fact, a few months later we met again regarding me doing some XXXX and XXXX XXXX work for one of his other companies ( XXXX XXXX XXXX ). <P/>Judging by the appearance of this record on my credit reports, it looks like I skipped out on paying my landlord which is not the case. On the reports, there are XXXX bullets for which nothing is listed. Those are : Date Verified Status Date Satisfied I am sure the bureaus scoring algorithm is proprietary, but my credit scores are not my main concern. Due to the blanks next to the aforementioned bullets, the appearance to potential future *employers*, landlords, creditors, or lenders is that this debt was never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Navient Solutions, LLC.
State: FL
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:
To Whom it  may co ncern This my third time complaining about this company. However now since I started paying ahead of time to eliminate some interested, the company decided to raise the rate. Wow, By the time I get done paying them I would have paid  XXXX  on a total of  XXXX  Loans I took from a school (  XXXX   XXXX   XXXX   ) th at no longer exist. If that is not loan sharking I do not know what to call it. Since my last complaint I have started paying early. Now I am a month ahead almos t  XXXX  o n my payments and I get  this bomb d ropped on my, that my interest rate has increased wow. if this is not modern day  XXXX  I do not know what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to get this negative information removed from my credit report regarding XXXX XXXX and Experian since XXXX of 2018 about a past due balance from a old apartment that I do not owe. I have sent numerous certified letters to try to get this issue resolved to no avail. Due to their negligence, I have been denied a mortgage refinance loan from XXXX mortgage company and a personal loan from XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-31
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I have an account with Coinbase.Inc a couples months ago and I have transferred some funds from my XXXX XXXX XXXX. 
Basically, with coinbase account you can log in to XXXX ( Company under coinbase ) and I have done a few transaction with both account. 
On XX/XX/XXXX, I tried to log in to my XXXX account and my account got suspended for no reason, there is a message says " ATTENTION REQUIRED! TRADING FUNCTIONALITY HAS BEEN TEMPORARILY SUSPENDED ON YOUR XXXX ACCOUNT.IN ORDERTO RESTORETRADING FUNCTIONALITY, PLEASE CONTACT XXXXXXXXXXXX ''. So I contacted coinbase support team by sending in a support tickets and they reply me an email says that they have received my request and are working on responding asap. Since that I waited for a few business days and still did not see any response, so I call them on XX/XX/XXXX, the representative says that he did not know what is going on and will escalated my case to their subject experts to resolve this issue, and right after that I received an email says that it will take 4 to 5 days to solve this issuse. Since that I did not hear from them anymore and I tried to contact them by sending support ticket and by calling them, the answer i got was to call back some other time due to high volume of calls. 
I have around 20+ thousand USD in the account. 
They have provided me a case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/22 I contacted all 3 credit bureaus XXXX, Transunion, & XXXX, to verify the first date of delinquency on the account I disputed with XXXX XXXX XXXX. XXXX funding responded to XXXX XX/XX/22 complaint # XXXX that the first date of delinquency was XX/XX/22. However, XXXX reported on my credit file the first date of delinquency is XX/XX/22?? I am fully aware they may be several opening dates due to different collection agencies buying accounts. However, there should NEVER be a reporting of different first date of delinquencies, which clearly states the information reporting 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 non-monetary relief
Consumer complaint received 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
My card information has been hacked. I got a solicitation purporting to be from Capital One requesting me to give them a new card number as my old card number had been declined by XXXX XXXX. I have never I am sure donated to this charity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
online banking has been unavailable for computers since Wednesday XX/XX/2019. It is now Friday XX/XX/2019 and there is no estimate available for when it will be fixed. I filed an executive complaint with XXXX, case no.XXXX but she stated she has no access to email to send any follow up information.

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 2017-12-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN : Is refusing to remove " Fraudulent Inquiries '' from my credit report, after I provided them with ; FTC Report, Police Report and proper ID. 




Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, 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 have recently checked my credit reports with XXXX, Equifax, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on Equifax XXXX XXXX Account No : XXXX Duplicated once on XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXX XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX Account No : XXXX Duplicated once on Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
did not appy for credit was a hard inquiry please remove from credit report. went to apply for company credit only found out that I had to have my credit pulled after it was done in the process of buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since 2014 my impound account began increasing, sometimes the amount would increase 2 or 3 times a year, which could not be due to taxes or insurance which are annual events. I made a large payment to cover what they claimed was a short fall, but this continues each year- Even though there is a reduction in both my insurance and property tax! Ive made several attempts since that time to speak to someone but their telephone system seems to be anti-customer ; each representative operating anonymously, unable to give their full name, supervisor or department head name, customers are set up to fail when these anonymous reps are enviably unable to answer question. They say they transfer you and process begins again, most time coming to the department you began with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I refinanced in XXXX with XXXX XXXX. In XXXX, we received email notification that it was transferred to XXXX XXXX as of XX/XX/XXXX. But via written mail, it stated the mortgage was transferred to Mr. Cooper. We have not received any written correspondence from either servicer confirming the new account service. The number provided is a call center with limited assistance. An email was sent to XXXX XXXX and Mr. Cooper last week. I can not locate meaningful contact details for XXXX XXXX. We are thankfully in a financial position that is not in default ; however I know how these situations can affect our credit scores. Please help. We are already dealing with major XXXX XXXX circumstances and these types of situations are incredibly frustrating and difficult to navigate and manage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Global Lending Services LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX the auto dealership steered me into a predatory loan with Global Lending. Global lending had subjectively higher interest rates with high probabilities of default. The loan was costly with unfavorable terms for any consumer. Over the years XXXX, I paid enough money to pay off the original asking price of the vehicle. Global Lendings interest rate and collection practices were abusive. They would call over ten times a day requesting payment. In XXXX, the pandemic affected our household income, and we could not afford to continue being a victim of Global lending. I was forced to voluntarily surrender my XXXX XXXX XXXX. More importantly, we were tired of the harassment by Global Lending because we knew that the harassment would get worse.

The significant matter, in this case, is that Global lending falsely reported the amount of {$15000.00} to the XXXX XXXX XXXX XXXX XXXX. I disputed the matter and requested additional documentation. Global Lending admitted that they reported false information and the amount was significantly lower. Since Global Lending was untruthful, I dont feel comfortable paying the amount reported to the credit bureaus. Global Lending credit reporting has caused a hindrance for credit, and I ask that it be removed. Since Global lending was caught being untruthful they should be willing to resolve this matter by canceling the debt and clearing my credit report.

Company response to consumer: Closed with explanation