BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
Consumer Finance, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein.

I am allowing you a period of 30 days to produce this information.

If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-26
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had my cell phone stolen while I was using it. Someone grabbed it from me and ran one to make a transfer out of my Chime checking account for {$2500.00} and an apple payment out of chime checking account for {$170.00}. I am mediately notified time when I got home within a few hours to check online to see what had transpired and notified them while the transactions were pending that they were fraudulent they assured me they would not go through but the next day both charges went through. I have filed a dispute and its been denied. I am on the six rebuttal and they have not provided any temporary credit and continue to investigate, the reason for denying the claim is they are unable to verify that it is an unauthorized transaction. I have given them an affidavit by myself of the series of events. I have given them my XXXX XXXX XXXX  phone claim information, the police report, and the FTC identity theft report I filed and they have been less than helpful through this matter which occurred on XX/XX/2023. I understand regulation E and I dont see how they are anywhere near being compliant and i request your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had reached XXXX XXXX, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent Accounts Appearing On Credit Reports. 


1. XXXX XXXX XXXX XXXX  {$3300.00} 2. XXXX XXXX  {$450.00}

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 explanation
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years
.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Accounts have violated my rights XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$11000.00} XXXX XXXX  Reported : XXXX. XXXX, 2023 - {$4600.00} XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$3400.00} XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$4400.00} XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$6200.00} XXXX XXXX  XXXX : XXXX. XXXX, 2023 - {$26000.00} XXXX XXXX  XXXX Reported : XXXX. XXXX, 2023 - {$760.00} XXXX XXXX  XXXX Reported : XXXX. XXXX, 2023 - {$1400.00} XXXX. XXXX XXXX  Reported : XXXX. XXXX, 2023 - {$980.00}. Violated my 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 non-monetary relief
Consumer complaint received 2022-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My XXXX card from Bank of America was hacked and about XXXX was taken from gas stations several retail stores and ATM transactions. I had XXXX deposited in XX/XX/XXXX. I was not recieving monthly statements at first.. finally start receiving the Bank of America XXXX XX/XX/XXXX. This is when I notice charges from XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX  charges. I filed on that but then saw other transactions I did not authorize. 
i circled all transactions that was not authorised by me.One of the conversations from B of A employee said there was XXXX looking man taking {$1000.00} from ATM location on XXXX and XXXX XXXX XXXX XXXX.but still have not been credited. I have asked several times for photos from a trnsaction of {$4000.00} with a teller... but the time of transaction is not possible because bank closes at XXXX and it occurr.ed ay XXXX and posted at XXXX B of A sent letters to me stating there was fraudlent activity and closed my account and issued me 4 other cards over time but still fraud was happening. They will not credit back my account and have a feeling they are dragging out their legal obligations and are filing bankruptcy.I have spent hour and half every week for a year to no avail ... ... HELP

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 2021-08-28
Company: EQUIFAX, INC.
State: MI
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 can't take this anymore! I can't get a new car to get to work and take care of my kids because of this misleading information on my credit report. I am STRESSED! I have sent letters and called many times and still nothing has been done! I am a single mother and I need this to be fixed I want my kids to have a better life Please help. I sent letters on XX/XX/21 and XX/XX/21 and no update or anything something must be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00}, XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$9100.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6600.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5800.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 explanation
Consumer complaint received 2018-12-16
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making payments to XXXX XXXX XXXX. I am qualified for loan forgiveness through the public service program. However, my sevicer continues to charge me over {$600.00} per month in payments. They are telling me this is the only payment I can make to qualify for the forgiveness. At this rate U wont receive any forgiveness I will pay double what my original value was. Furthermore, I have used any extra money I can to pay towards my principal balance.! i have repeatedly asked that they apply all my extra payments that way. Despite this I have discovered they are still applying it as paid ahead and taking interest payments out! After more than a year. I have been paying this amount for 3 years and have paid extra. Thats over {$21000.00}. Yet my balance has Gone down less than {$13000.00}. This is really unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is asking me to pay an early termination fee for an account for which I was not responsible. This was a corporate account paid by my employer at the time. I had never made any payments on the account. It was paid by my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: IL
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 recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.

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 2023-04-26
Company: EQUIFAX, INC.
State: OH
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a story of both personal accountability and corporate negligence. In XXXX, XXXX, with $ XXXX in my bank account from selling my home, I went to a store to finance a couch set for 12 months at no interest in the amount of {$2800.00}. The store ( XXXX XXXX XXXX, NC ) used TD Bank d/b/a XXXX I received my statement and input my account number and routing number intending to pay $ XXXX to pay it off in roughly 6 months. My payment never processed, and I was told I was late. I am never late. I called the company to remit the payment over the phone. To my surprise, that did not work either. Frustrated, in XXXX, XXXX, I called to remit the payment in full which was now up to approximately {$2900.00}. That was not returned either and I was told there were no issues showing on their side with the account. It's also worth noting, that I could not see what the issue was either as the Acc/Routing numbers are semi-redacted with " XXXX. '' Fast forward to XXXX XXXX, XXXX, I ended up remitting a total of {$3400.00} after re-submitting my account information. Remember, I at all times had the money t0 pay for the couches in full. I am fortunate to make a six-figure salary as well. 

Present day -- I am applying for a home loan and see that my account was marked " derogatory '' for failure to make payments on time. I was and am livid. How could this be when I attempted so many times to pay the couch in full? Well, after 7-8 phone calls with pleasant but unhelpful representatives, I find out that there was one digit incorrectly input in my original input from XXXX, XXXX. That one digit was the source of my late payments, NSF assessments, and ultimately, a " derogatory '' account mark on my and my wife 's credit scores. I was previously above XXXX and am now in the XXXX 's. I am being forced to pay an increased loan origination fee of roughly {$3700.00} with my home lender because of this derogatory account marker on my account. 

It seems to me that a consumer finance company should have measures in place to assist customers that actively try to pay their credit card accounts but experience typographical or technological issues. I received no phone call, email, or any indication during any of my multiple phone calls where I voluntarily tried to resolve the issue. And now, the company has made an additional {$600.00} from the late fees, and I am being cost {$3700.00} more that I would not have had to pay otherwise. 

My complaint is based in failure to diligently assess customer behavior. I was very clearly attempting to make my payment. But that was of no consequence to this company. It's a sad world where companies destroy peoples credit and unfairly cost them money. I had all the best intentions, apparently made an error, and now I will pay almost {$4000.00} plus additional interest over the cost of my 30 year home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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: Their investigation did not fix an error on your report

Complaint:
I recently Sent Experian a letter requesting that the show me their METHOD OF VERIFICATION/description of the procedures used to determine the accuracy and completeness of the disputed information, and they failed. the letter was sent on XX/XX/2019. the letter was received XX/XX/2019. I received an Email response stating the results of my dispute were ready on XX/XX/2019. that is beyond the time allowed to respond for a method of verification I believe it is 15 days. ( FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute ).

I have been denied a home loan, my credit looks skeptical to lenders, i have been denied credit line increases with my current creditors, and Experian has yet to remove these items. Even after 2 recent disputes, i have sent the PROPER SUPPORTING DOCUMENTATION they request that, the items still remain! 
I spoke to a Dispute officer/representative on XX/XX/2019 at XXXX XXXX central time, for 38 mins 20 sec. and i specifically asked him how were the items verified. He stated that they were verified electronically. That is not a reasonable investigation! The home i am currently living in is falling apart and my family and i need out AS SOON AS POSSIBLE and the deletion of these accounts would make the wold of a difference.

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 2023-11-28
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit 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:
On XX/XX/2023 I submitted a dispute against Wyndham XXXX XXXX for XXXX to my Barclays wyndham card. On XX/XX/2023 I received a letter saying the dispute was closed. Their reason : they never received documents from me. I never received any type of communication regarding them needing any further documents. Nor to date I still have no knowledge of what they were or are requesting. They have refused to reopen the case. They have refused to send me a letter letting me know what they need. I believe they have no intention on investigating my dispute with the company because they are both Wyndham.

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 2022-07-17
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My case pertains to Coinbase Case number # XXXX, and Complaint # XXXX 1. Coinbase closed my account in late XX/XX/2022, after me being a fully verified customer for over 4 years 2. All I am trying to do now is to get my fiat and crypto off Coinbase ( which Coinbase claims that I have access to ). 

3. Unlike what Coinbase falsely claims in the attached email, I do not have access to either a " Vault '' or even the " Portfolio '' section of my Coinbase or Coinbase Pro account. The ONLY page that I can access when I login into Coinbase or Coinbase Pro is their " ACCOUNT CLOSURE IN PROGRESS '' page. I have attached it's screenshot below. 

4. I see my funds on the ACCOUNT CLOSURE IN PROGRESS page. BUT, when I try to withdraw the funds, it asks for my 2-factor authentication ( 2-FA ). The ONLY 2FA that I have set up with my account is my XXXX hardware key. However, their " ACCOUNT CLOSURE IN PROGRESS '' page is not set up by Coinbase to recognize my XXXX hardware key ( unlike their actual, full service Coinbase log-in page! ). I also know the key is working fine since that is the very key that I use to login to my Coinbase account ( where it works just fine ), after which it redirects me to their default " ACCOUNT CLOSURE IN PROGRESS '' page ( which is the ONLY page I am able to access! ). 

5. Crypto from their default closure page can only be withdrawn to whitelisted addresses ( which is the option I chose on Coinbase when I had signed up ). BUT when I attempt to add a whitelisted address, I get directed back to " Account closure in progress page! '' 6. When I attempted to get my fiat off Coinbase, back to my bank account, it says " Account closed '', then redirects me back to their " Account Closure in Progress '' page! 

7. I can't even access my transaction data for tax reporting. A flimsy report emailed to me only has Coinbase transactions, but not Coinbase Pro transactions ( where most of my trading occurred )! 

8. Multiple emails have been exchanged with Coinbase customer support assuring me that the matter would be resolved in " 15 business days ''. Even the exchange balance they claimed I had in my account was initially inaccurate before they fixed it after numerous emails/phone call. 

9. My trauma began almost 2 months ago. Supporting emails are attached. The majority of replies see generic " copy-pasted '' generic replies where it is obvious that my question was not even read! This is adding insult to the injury when a XXXX dollar corporation sits on a customer 's hard earned " interest-free '' money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: MECHANICS BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Mechanic Bank Auto to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX/XXXX/2021

Company response to consumer: Closed with explanation