BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've complained about identity theft twelve times, and this is the latest. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization in 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is not information pertaining to any transaction. 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX CARD XXXX Balance : {$5600.00}, XXXX CARD XXXX Balance : {$5500.00}, XXXX BANK XXXX XXXX XXXX XXXX {$2900.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00}XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-03-11
Company: CONGRESS COLLECTION CORP
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XXXX {$25000.00} is owed when on XX/XX/XXXX it was {$6900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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:
I previously Submitted a complaint asking for these accounts to be deleted since I did not give written instructions for them to be furnished and the company ( Equifax ) responded and said I need to contact the inquiry companies directly and to follow their internal fraud procedures, but they ( Equifax ) are the ones that furnished the inquiries on my credit report without my permission not the original creditor. I have already sent a complaint to XXXX regarding said inquiries. 

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed items off of my credit report due to inaccurate information to all credit bureaus. Neither one of these credit bureaus responded in 30 days, nor did they provided proof of the accurate information. I've sent them 2 letters and no response have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX transferred my loan to Shellpoint Mortgage Servicing on XX/XX/XXXX. Shellpoint added a fee {$1100.00}. They will not discuss my loan with me as I was in bankruptcy. They are refusing to send me any document or monthly mortgage statements for the time they serviced my loan. I sent them a certified letter on XX/XX/XXXX. No response. Shellpoint needs to remove the fees. On XX/XX/XXXX Shellpoint transferred my loan back to XXXX XXXX XXXX with these fees which I did not know exist because Shellpoint refused to send me any documents. XXXX  XXXX XXXX said the loan came in with fees and that I needed to speak to Shellpoint. Also, I did not get " Pay for Performance '' from Shellpoint per my loan modification on XX/XX/XXXX documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-14
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX 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 non-monetary relief
Consumer complaint received 2023-12-13
Company: I.C. System, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I also submitted a debt collection complaint for the company this collector is representing, XXXX. I had never received a bill from the original company, nor an email, nor a phone call to know if I even had a debt. My account was closed and paid in full over the amount of the said bill. I have a forward in with the mail and informed consent delivery, so I have never seen or received anything from XXXX. So today I got a text from this company called IC System telling me I owed a debt and to click on a link. I thought it was a scam so I called XXXX to tell them and sure enough they said they sold the debt without even telling me in any way or giving me a right to dispute it. I asked them why they would go to this extreme when I was a customer for 10 years and they had all my info? They said they would usually send out a final bill and courtesy call, but in this case that wasn't certain. They never said anything was attempted. XXXX wouldn't take payment because it had been sold. I have had identity theft and fraud and this is completely negligent and unprofessional for them to sell my account. Furthermore, the debt collector IC systems wanted me to click on a link to enter my zipcode as a password. I don't even know who these people are, I never saw any verification letter and how do I know some tracking device or malware isn't going to be put on my phone. I want restitution for this ridiculous matter that could have been taken care of if I knew about it. I am not paying a debt collector, not am I giving any info to someone for something I don't owe.

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 2022-07-15
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
This is my second CFPB complaint regarding this issue. I opened an AmEx gold card on XX/XX/2021 with a {$250.00} restaurant credit promo ( which I received ) and XXXX membership rewards points after {$4000.00} spend. It has been nearly six months since I reached the spend and have yet to receive my points. I have called and messaged several times, each time being told to wait an additional XXXX weeks for the points to post. 

The response to my last CFPB complaint regarding this indicated I would receive separate communication which has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been trying to move funds ( specifically, LTC ) from my Coinbase LTC Vault to my LTC wallet. However, I have lost access to my secondary approval email ( two separate emails need to be confirmed in order to approve the transaction ) and contacted Coinbase support to see if there was any way I could move the funds by some other means. After several email exchanges with their automated system, they stated a solution of : " Instead, we can move the funds from your vault into your wallet and delete the old vault. This will enable you to create a new vault and move your funds back into it.

I have just forwarded your case to our subject matter experts who can help. They will get back to you shortly. '' This was on XX/XX/XXXX. As of today ( XX/XX/XXXX ) I have not received any feedback or assistance from anyone on the Coinbase team.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2017-05-30
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My sister and I are listed as POD ( payable on Death ) for my uncle 's checking account at PNC. My uncle passed away  XXXX   XXXX ,  2017 but  PNC has frozen the account and not released the funds to me or my sister. They have provided NO INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a new mortgage servicer - XXXX XXXX. They are unable to provide me a loan number so I can pay my mortgage and they keep telling me to call back. We are past my due date and my transfer date. 

I just want to pay! The reason I want to pay is obviously each payment lowers the principle amount therefore the interest that is accruing is less after each payment. However, now my principle is not being lowered as I can not pay so daily interest is higher! 

The last representative just hung up on me. I've spoken to many people. All reading from a script - no information about your loan is available. Please call back tomorrow or next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Have struggled to repay private student loans with Navient. I have been on Social Security XXXX and have had extraordinary medical expenses and loss of income due to health issues. 

The payment plan I was on was discontinued because of a technicality because I did not call Navient to continue the repayment program so the lower interest / lower payment program was discontinued and the payment went from $ XXXX month to $ XXXXmonth. Additionally, all of the interest during the term of that program was set at 1.5 % but when the program was discontinued, the typical interest rate of 12 % was recapitalized back into the loan inflating the balance of the loan. 

I have repeatedly told Navient that I can not afford {$1700.00} /month payment but they will not change the payment plan and tell me they will continue to advance the loans to default. 

The original principle balance of these private student is a fraction of the current principle / recapitalization interest balance. 

I am recovering my health and Navient offered and setup a repayment plan that would lower the monthly rate to an affordable rate of 1.5 % but after setting up the repayment program and payment plan, Navient said a few days later that the program was not actually approved and they wanted additional private family information. 

I am willing to pay these student loans under the 1.5 % interest rate and payment of $ XXXXmonth that was offered and actually setup in their system but the Navient manager said it was discretionary whether they approved anyone for this repayment program. This sounds like a practice of disparate treatment ... the program is available but Navient evidently wants to maximize their $ income ... without regard for individual privacy. 

During one of my earlier discussions with a lower level Navient representatives he said that Navient was just one big credit card company that would do anything to collect payments and increase corporate funding. 

Lastly, the representative confided to me that Navient has been actively selling loans to 3rd party collection agencies ever since the CFPB and other State Attorneys offices filed lawsuits against their predatory loan and serving practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: The CBE Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am getting repeated calls from XXXX CBE Group trying to collect on a debt that I have disputed with XXXX XXXX XXXX when I canceled my account. 

The collector claims I owe {$340.00}, XXXX XXXX did not honor my {$150.00} credit to my account under NY court order. I returned the equipment to one of XXXX XXXX service center before the billing cycle for the remaining {$190.00} was due, yet they extended the cycle to include when I turned in the equipment. 

Repeatedly I tried to have this removed from my credit report as " Disputed '' but the bad debt keeps getting sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: PA
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 a credit card account through XXXX XXXX XXXX that was closed in XXXX of XXXX. It was reported on my credit report that I was over 120 days past late in XXXX but my XXXX XXXX Checking Account Statements reflect that I made payments within these late time frames which should have brought the account back to current. The late payments that were reported to credit bureaus should have been removed. 

In XX/XX/XXXX, I initiated a dispute with Equifax to investigate the late payments and have them removed given I have records of payments to XXXX XXXX XXXX Equifax apparently did an " investigation '' and deemed that I was 90-119 Days Past Due in XX/XX/XXXX, 60-89 Days Past Due in XX/XX/XXXX, and 30-59 Days Past Due in XXXX of XXXX. This is not possible as I did not have the account in XXXX and it was paid in full when it was closed in XXXX. 

This incorrect information has dinged my credit score by XXXX points erroneously and is causing undue hardship on my life as I am trying to purchase a house and automobile. 

I called XXXX XXXX XXXX and spoke with an Account Manager who told me on a recorded line that there was no late payment history with me and that they last reported the account as Closed and Satisfied in XX/XX/XXXX. This completely contradicts what Equifax is reporting. The Account Manager told me that they would not have told Equifax the information that Equifax is reporting as it is not on their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX My maiden name is XXXX XXXX XXXX comes up under my name for some reason and this person is not me and I want that name off my personal crdit info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to FCRA ; reporting different information to the three credit bureaus that happens to be inaccurate is against the law. All information reported to credit reports must be the same for all three credit bureaus. Looking at the XXXX report, a closed account for company SYNC/BELK has late payments for months XXXX as of XXXX when the last shows XXXX XXXX but states account closed on XX/XX/XXXX and current up to XX/XX/XXXX ; which is inaccurate and shows last reported XX/XX/XXXX. Looking at my XXXX credit report ; the account shows last payment XX/XX/XXXX and account closed on XX/XX/XXXX with no late payments and last reported XX/XX/XXXX ; XXXX. Ive reached out and to company with the proof of inaccurate information reported to my credit report and asked for this to be removed due to the inaccurate information. Account has been paid in full.

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 2019-10-20
Company: Advance Bureau of Collections
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Between XXXX XXXX and XXXX a collection account was reported to all three credit bureau s in the amount of XXXX by advanced bureau of collections who stated that the debt orginated from XXXX XXXX XXXX the amount listed is false and has been paid i never received any notices of the debt so that i had a chance to exercise my rights granted under fcra i asked the company over the phone to provide orginal documents from the company of which i never received because the debt does not exist nor do i have any signed contract with this company so they have no rights fcra to collect on this alleged debt another debt for the amount of XXXX dollars is also being listed by this company ADvanced bureau of collections i am not under contract with this company listing any debt is a violation of my FCRA rights

Company response to consumer: Closed with explanation