BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
Company: NAVY FEDERAL CREDIT UNION
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:
A credit card account was opened in my name on XX/XX/2019 by Navy Federal Credit Union with a current balance of {$7700.00} According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified Metro 2 compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion already agreed to this acct erroneous and inaccurate here proof. These accounts are not mine, they are inaccurate, unverified and unauthorized. ( Exhibit A ) XX/XX/XXXX fnbo was removed after I disputed it on XX/XX/XXXX. Transunion has not even responded to me per the law you say you are required to follow from my initial dispute. Your only response was you removing the account. You are required to respond to me within XXXX of my disputed. I spoke to a few reps today XX/XX/2022 specifically XXXX XXXX and he stated that you guys added this acct per fdcpa but that law also states your required to respond to my dispute within 30 days. Why didnt you? So that means you as the entity agreed XXXX me the original creditor that this account is unverifiable. Later with it now being the XXXX of XXXX you re added this account back 2 business days later. What changed from then to now. 

With you removing this from my account you admitted to this law by removing it which basically means XXXX didnt verify this per law. 
So what made you add this back? 
How you verify it? 
XXXX and XXXX wasnt able to verify it so how were you? 

This abusive act has cause me major financial distress and this is against my individual right to privacy This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 XXXX and the Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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 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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion already agreed to this acct erroneous and inaccurate here proof. These accounts are not mine, they are inaccurate, unverified and unauthorized. ( Exhibit A ) XX/XX/XXXX fnbo was removed after I disputed it on XX/XX/XXXX. Transunion has not even responded to me per the law you say you are required to follow from my initial dispute. Your only response was you removing the account. You are required to respond to me within XXXX of my disputed. I spoke to a few reps today XX/XX/2022 specifically XXXX XXXX and he stated that you guys added this acct per fdcpa but that law also states your required to respond to my dispute within 30 days. Why didnt you? So that means you as the entity agreed w me the original creditor that this account is unverifiable. Later with it now being the XXXX of XXXX you re added this account back 2 business days later. What changed from then to now. 

With you removing this from my account you admitted to this law by removing it which basically means XXXX didnt verify this per law. 
So what made you add this back? 
How you verify it? 
XXXX and XXXX wasnt able to verify it so how were you? 

This abusive act has cause me major financial distress and this is against my individual right to privacy This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 XXXX and the Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2020-01-16
Company: Experian Information Solutions 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:
My information has been obtained illegally and used for things which I do not know what but they are calling me from collection companies saying I owe money for things I have never even heard of or know nothing of. They are banks and also collection agency accounts showing on my credit report that is several impacting my ability to utilize my credit properly. All of these accounts are fraudulent and have never been authorized by me ever. Its a XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please help me get to the bottom of this and clear this up and get my credit life back to normal. Thank you very much for your assistance.

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 2023-08-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a XXXX mortgage with Chase and I am aware that my interest rate will started become a floating rate, which essentially goes up from 2.75 % to 7.75 % in XX/XX/XXXX. I called Chase and even visited Chase Bank in XXXX XXXX, the local branch supervisor assured me that as long as I paid off the entire loan principle by end of XXXX, I will not be paying the 7.75 %. I believed in that. but on XXXX, when I am asking Chase for a payoff quote, it shows even if I pay in XXXX, I will be paid for the new rate, 7.75 %. i called custom service, they did some investigation and saying that for my loan, the interest is XXXX month ahead, so I should be actually starting paying the new rate XXXX month earlier. This is very unfair and not transparent to me, no one explained to me this before and the branch didn't warn me of this as well. They said they had sent a letter to me saying the rate is going to increase on XX/XX/XXXX but I saw in the same letter, they also say " Under the terms of your Adjustable-Rate-Mortgage, you have a 84 month period during which your interest rate stayed the same. that period ends on XX/XX/XXXX, so on that date, your interest rate and mortgage payment change ''. so it says rate changes in XX/XX/XXXX on that sentence. How can a customer believe the rate is actually changing in XX/XX/XXXX by reading such statement. This is very bad and misleading. also the interest they are charging me as of 7.75 % is from XX/XX/XXXX to XX/XX/XXXX, it is even unbelievable, even XX/XX/XXXX is charging 7.75 % now?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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:
My information has been obtained illegally and used for things which I do not know what but they are calling me from collection companies saying I owe money for things I have never even heard of or know nothing of. They are banks and also collection agency accounts showing on my credit report that is several impacting my ability to utilize my credit properly. All of these accounts are fraudulent and have never been authorized by me ever. Its a XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Please help me get to the bottom of this and clear this up and get my credit life back to normal. Thank you very much for your assistance.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to deposit money on ATM at Bank of America at XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX. I use the first in on the left. That ATM was malfunctioning and I couldnt even deposit the money. However I have a receipt. I have called the Bank of America multiple time and they told me that they going to closed my account without any assistance and reason why? Assuming the situation.

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 2023-08-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I signed up for Citibank 's " {$400.00} Bonus when you open a new checking and savings account in the Citi Account Package '' promotion via their promotional " Apply Now '' link on Citibank 's landing page on XX/XX/XXXX. 
The XXXX deposit minimum within 30 days was met on XX/XX/XXXX. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days has been met. 
The {$400.00} bonus should have posted 90 days after that, which is XX/XX/XXXX. It's currently XX/XX/XXXX and no bonus has been posted to my account.

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 2019-05-06
Company: Experian Information Solutions Inc.
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:
This XXXX XXXX Account never belonged to me and after disputing the account with XXXX XXXX they sent me a letter stating they would remove the item due to fraud.A month went by the account didn't appear on my credit however I just checked my report today as of XX/XX/2019 and XXXX XXXX is back on my report due to the FCRA this is totally illegal and I have grounds to sue. This is causing me trouble being that I want to purchase a home.

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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ongoing problem. Ive been requesting proof of bankruptcy that is on my report for over a year. They have yet to comply with the law. In 2017 a revision to the FCRA allowed for public records to be used. However, they are required to provide my full social security number or birthdate on that public record, to which they did not do. they have used every excuse available as to why they are not complying. They are also stating that the bankruptcy will remain for 10 years by law. Just to clarify the law states it is a maximum of XXXX years. They are using this as further punishment when it is completely unnecessary. since it has been over a year and they still have not complied with federal law, the bankruptcy is to be removed from my report immediately. i am already preparing this case for court and fully intend on serving them a summons. CFPB is giving me a place to voice my concerns, but obviously has either no authority or intent to assist in this matter. i will be looking into that issue as well.

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 2021-02-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Good morning, I am writing this complaint today in regard to the cryptocurrency exchange, Coinbase. 

After hearing good things about coinbase, I decided to give it a try after analysing XXXX, I invested XXXX by card payment as well as give a 2 deposit to confirm my bank account, prior to this deposit I had already verified every details asked of me. 

As soon as I made an order to buy into algo with my money, coinbase decided to hold my account under review with absolutely no reason given to me for why this was done. 

I have sent three support tickets exclaiming my anger as this is not right, no other exchange or broker has withheld onto my money without giving me a reason. I've received responses asking me to wait from the support team yet they have done absolutely nothing about this. They are holding my money without my permission. I've lost out on making myself hundreds of pounds and at the moment I'm out of pocket 302. I need this sorted, this is completely wrong what they're doing. 

Coinbase Case # XXXX - Account under review

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-06
Company: Westlake Services, LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX I went into agreement with XXXX XXXX XXXX XXXX XXXX with a Retail Installment Contract and Security Agreement for family and household purposes. My vehicle got repossessed in XX/XX/XXXX. XX/XX/XXXX Payment was sent through USPS money order with an accepted offer of the credits for valuable consideration for {$1900.00} to Westlake Financial Services via certified Mail and was delivered XX/XX/XXXX. XX/XX/XXXX I sent a Notice of Rescission and an Affidavit of my right to rescind as a Consumer via certified mail. Which will be received tomorrow XX/XX/XXXX. I have reason to believe that both parties willingly and knowingly took advantage of me any consumer credit, while XXXX XXXX XXXX XXXX XXXX failed to clearly & conspicuously disclose my right to recscind.

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