BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
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: Information belongs to someone else

Complaint:
I wrote to XXXX XXXX on XXXX XXXX concerning chargeoff showing on my credit report. I asked them to prove that this account was mine. They never responded so I sent them another letter on XXXX XXXX. They never responded to this letter either and just stonewalled me. They have a responsibility to prove the reporting or delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
I have a dispute with XXXX XXXX Services concerning the charge on my account made by XXXX on XX/XX/2019. In an effort to discard the reservation it was inadvertently booked by mistake. I call was immediately placed to XXXX to explain the mistake and requested a cancellation. I doubt the transaction was transmitted to the XXXX XXXX in XXXX AZ. I was charged {$170.00} for a reservation that was never processed and for service not used. The following is the dispute for the charge : XXXX # XXXX XXXX : XXXX XXXX Dispute Amount : {$170.00}

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 2020-05-20
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off the car loan for my account at valley national bank in XX/XX/XXXX. I waited over a month and did not receive my title or a letter verifying the pay off of the loan. 

I call their customer service who tells me they mailed it to my old address as I moved in XXXX. I advised them that I had called in XXXX and updated my address using the method they had asked, emailing them the updated address along with my contact information to XXXX. I was told there was nothing they can do. They told me to do it again and contact a completely different company called " XXXX XXXX '' to obtain the documents that they never sent to me. 

( Separate but they mailed me nothing since I originally got the loan in XXXX including bills or invoices ). 

I did what they said and called XXXX XXXX. They advised ( via a recorded message ) that I can not order a duplicate tile on the phone and need to go to their website and pay {$23.00} to get the lein payoff letter then take that along with local DMV documentation, in order to buy a new title at the DMV, paying their fee of ~ {$60.00} as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: NV
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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2022-05-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$6000.00} XXXX XXXX : XXXX -- -> : {$1000.00} XXXX XXXX : XXXX -- XXXX : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- > {$13000.00} XXXX XXXX XXXX XXXXXXXX : XXXX -- XXXX : {$1100.00}

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 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A credit in the amount of XXXX was issued from XXXX, my former insurance company, on XX/XX/XXXX.  The credit should post this week. Once posted, I need a check sent to me. Due to status of my account, I am unable to withdraw funds. The dept handling account works off a voicemail and does not return calls. Numerous messages have been left in the past, not one call returned. The balance on account is currently XXXX, not including credit in the amount of XXXX due to post shortly. I've called Capital One numerous times, referred to another department that only has a voicemail, as stated before. They do not return calls. I need a check sent to me for balance on account plus any outstanding credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today XX/XX/2019, I called XXXX XXXX to get a balance on a credit account I have with them. It was in Collections and the balance is paid off. I arranged to pay off the account and we came to an agreement. The company told me what amounts I had to pay. I made 2 payments, {$200.00} in XX/XX/2019, and this weekend the second payment was taken out of my account for {$120.00}. After the second payment was made I asked the lady would this bring the account to {$0.00} balance? She said yes. I want to close the account and XXXX XXXX now says I owe {$6.00} and change. They are changing the original agreement. I do not remember the lady I originally talked to in XXXX who took my first payment but the person I talked to today was named XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: LA
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:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2700.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account needs to report a {$0.00} balance. There is no outstanding balance due and consequently nothing to collect and/or charge off. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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 contacted Experian credit reporting on XX/XX/2020 to alert that I had some items on my credit report that I was disputing. This was necessary because I knew that I would probably need to secure a loan due to the COV19 issues that were beginning to drown XXXX XXXX. Experian alerted me that they had contacted the companies and the reporting companies submitted automated validation of the debt. 

On XX/XX/2020 I sent certified letters to the companies asking that they provide the same validation to debt to me that they provided to Experian including documentation in the form of ledgers, signed forms, etc that support the debt. 

The companies did not provide validation in the 30 days as required by the FCRA. Therefore, I sent a letter to Experian to advise them of the results of my debt validation request. 

I believe that Experian has not acted in good faith with requiring that the companies valid the debt they are reporting. Secondly, the companies did not act in good faith by providing me with the debt validation documentation that I requested. 

I am now asking for CFPB assistance because these incorrect issues on my credit report are causing me irreparable harm. I am a XXXX XXXX XXXX XXXX XXXX and your urgent assistance to survive. Thanks

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 2018-03-05
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Unfortunately back XX/XX/XXXX I fell behind 2 months on my mortgage. I attempted to get caught up but the lender refused to take my payments and wanted a full repayment which I did not have at the time. So instead of getting back on track, I was forced to fall further and further behind. I have been submitting documents to Amerihome since XX/XX/XXXX for loss mitigation and foreclosure alternatives. I have supplied endless amount of documents and requested information all in timely manner. I have been told several times my file is in underwriting only to be told additional information is needed. On XX/XX/XXXX a representative informed me that the sale has been placed on hold and my file again was in underwriting. When calling back Friday XX/XX/XXXX, I am now told that the file was never being reviewed and the sale is now in fact active again for XX/XX/XXXX although a bankruptcy was filed on XX/XX/XXXX. Not only did Amerihome Mortgage acquire the debt of my loan AFTER I was already in default, they proceeded to file a Notice of Trustee sale while I have been in an active loan modification review since XX/XX/XXXX. The notice was filed in XX/XX/XXXX, clearly violating HBOR laws and dual tracking. I am now facing a foreclosure and forced with no other options because I am repeatedly lied to by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I deposited {$1500.00} dollars into coinbase pro. After the deposit, I received an email from coinbase that stated : " Hi XXXX XXXX, Due to an insufficient funds error from your bank, we weren't able to authorize your transaction for {$0.00} USD / {$1500.00} on XX/XX/2020. We haven't processed this transaction or charged any cancellation fees. Please feel free to try this transaction again using a different payment method. '' However, I had {$1800.00} in my bank account and I was charged {$1500.00} XXXX by coinbase. Although I was charged {$1500.00}, I never received the money in my coinbase or coinbase pro account. I contacted Coinbase and they have not responded and the money ( {$1500.00} XXXX XXXX has been taken out of my primary bank account. When you click on the deposit it says : " is_instant_usd : true coinbase_payout_at : XXXX coinbase_deposit_id : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Problem is with Bank Of America. I had a credit card with them that I did not use at all. they sent me a promotional offer of 0 % - XXXX $ XXXX XXXX XXXX limit to use for 18 months with no interest. I called a representative and they sold me on it as a no interest fee or late fee for 18 months. I accepted and used about 2000 $ with them as a XXXX XXXX. I kept checking my phone app every month and throw in a little something there ranging from XXXX $ to XXXX XXXX Last week I got an email that I have an amount due / late. I was under the impression that I should not have late fees or interest fees. I received an automated call letting me know your account is in debt. I talked to a representative last week who had ZERO knowledge ( i hope you pull the recorded call ) and she didn't know how much is the late fees or interest payment so it was a very misleading call. I paid the minimum payment required next morning - I was surprised over this weekend that my credit score dropped a XXXX points and a missed payment was mentioned!!! 
I talked to a manager called XXXX letting him know that this was a misleading info. I got while being sold on this XXXX XXXX and there was a high pressure sales on me. I asked him to conference me in with a credit analyst and he said he will file a dispute on my behalf for this credit reporting issue. He then sent me to an answering machine as they were all out. I called again and talked to a manager called XXXX and she said XXXX did not submit anything on your behalf!!! - he was deceiving me to get off the phone I guess. Then she told me there is NOTHING we can do about the credit reporting we did against you. And guess what they decreased my credit limit to XXXX $ from XXXX $ to start incurring interest. 

I need your help as I am closing on a home and this is really going to make me lose the opportunity. Does it make sense for someone who has access to cash of above XXXX $ to miss a XXXX $ payment and get a XXXX points deducted on his credit report??? 

High pressure sales and misleading info. and In-knowledgeable staff members caused me to fall for that sales pitch from Bank Of America. Unfair practices from their managers to. 

I need your help to get my credit report back to normal and have Bank Of AmericXXXX remove that report so I can close on my house. I also need any late fees or interest to be removed. I am willing to payof that whole balance and close my credit card with Bank Of America immediately.

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 2022-05-02
Company: Continental Finance Company, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is charging me fees on fees for a fraudulent charge that they recovered. They have since sent the fees on fees wrongful charges to collections. They are also filing negative reports with the credit bureaus. 

This is immoral, unethical, criminal and Negligent.

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 2019-03-11
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I am a us citizen who lived there up until my father got sick and passed away. He left me problems in XXXX and I had to go there to take care of it legally. It took years of straggling! In the mean time I met the father of my children and I have kids there, I sold my property in XXXX legally through an escrow company, I have paid all my taxes from the sale, and now I wish to buy a condo where I stay with my kids which is currently not in XXXX or the us. I was explaining this to my branch and no one seem to know how to help me and they kept me on hold for hours without a proper answer! I had sold my property legally and I wish to recieve my funds in my XXXX XXXX branch. I have all the details and documents that are necessary for this transaction- but still, I can not have a home where I am currently residing since my money is kept hostage by Wells Fargo bank! My branch explained I can transfer {$5000.00} a day! I have XXXX in my account and every transaction costs a fortune! This is more then an outrage and a very bad way to take advantage of an international customer. 
I would appreciate your prompt respond on this matter.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
ON XX/XX/2023 A UNAUTHORIZED CREDIT INQUIRY WAS MADE BY 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 non-monetary relief
Consumer complaint received 2019-03-11
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 am reporting 2 incidents of identity theft that appear to be related. 

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an XXXX  company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from XXXX regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until 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 explanation
Consumer complaint received 2019-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 submitted a complaint to the CFPB on XX/XX/XXXX about TransUnion and their erroneous reporting of two accounts on my credit report. On XX/XX/XXXX, I received a response from the CFPB website that TransUnion had forwarded my complaint to their consumer relations center for processing. They stated, '' You will receive your results within sixty ( 60 ) days from the date you submitted your complaint to the CFPB. '' It is now XX/XX/XXXX, and I have received no response to my complaint from TransUnion.

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 2019-11-01
Company: The Receivable Management Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Receivable Management System are sharing my medical records information with unknown individuals over the telephone. 

They are not in compliance with requirements under 45 CFR SECTION 685.212 ( 3 ) ( 1 ) ( iii ) ( vi ) and are violating hipaa and share personal medical records with unknown individuals over the telephone.

They haven't verified the debt or service or treatment regarding the healthcare under hipaa. 

And is threatening to harm me by any means necessary.

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 2019-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I was behind on payments I spoke to Capital One and asked them if we can do a payment plan till I could catch up They put me on a program and they set up auto withdrawls for the payments so it would not be late, They have taken the payments on the XXXX of both Months XXXX and XXXX and still reported us late to the credit bureau. I have called numerous times and they all say no we didnt report you late and when they stay on the phone longer they - we dont know why this happened - write a letter - that is the only way to fix it. 
I wrote a letter and send it and they have not fixed the problem I have asked them for a letter to show that the payments were made on time they tell me they cant do that and will not help me.

Company response to consumer: Closed with explanation