BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There is something strange on how USAA does their banking for their customersthey show every transaction that clears your account but they do not show you the details on anything they return as nsf. Example : My direct deposit hits my account Bi weekly on Thursday funds are available on Thursday. I paid my mortgage payment on the first of XXXX. Per my mortgage company they submitted the payment to their bank on the XXXX of XXXX and their bank transmitted the payment to USAA on Thursdays to be paid. My direct deposit was in my acct and available on the XXXX of XXXX. I checked online and my mortgage payment had not hit my account as of yet. The next day I see a XXXX nsf fee saying mortgage payment was returned?? How?? My money was available and per online banking my mortgage payment had not hit my account how could it have not cleared. According to USAA they do not show you online or via bank statements on when items are presented or returned to the customers all they show is the nsf fee you incurred. When I asked the agents why they do not have an explanation. So if my mortgage pmt did hit on the XXXX of XXXX when my funds were available I would not know and it is designed for you not to know so you can not fight it. Per their corporate resolutions team they agreed but told me they have been doing business this way for yearsthis is a class action law suit they are doing this to access fees to their customers and you have no way of fighting it since the do not provide details of the transaction. This is deceiving the consumer and something needs to be done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX XXXX XXXX {$3000.00} XXXX XXXX   XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$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 2022-02-04
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a cryptocurrency wallet with Coinbase ( Coinbase Wallet ). On XX/XX/2021, I've been scammed out of ~ {$11000.00} USD. Coinbase has a security weakness that the company is aware of, but has not done anything even to this day of writing. Through my attempts to recover my funds, I've found/connected with hundreds of victims who got scammed through Coinbase Wallet , with exact same methods. These hundreds of victims represent only a small number of victims that are willing to do something about it. I know with certainty that for every one of us that is doing something, there are tens of victims who are choosing to stay quiet due to shame and self-blame. Doing a quick math, there are thousands of victims who've been affected in the same matter. Even if you do a quick search online, there are many credible reports of staggering amounts of scammed money is in Billions ( USD ), which Coinbase, in a way, is choosing to help, by not doing anything about this known flaw. Coinbase has failed to protect my funds, which were stolen. Coinbase wallet product has security flaws that has allowed this to happen, and again, they are aware of the flaw, yet they blame the users/clients, shifting all the responsibility to the victims, when they fall to this known scam, using the DAPP ( decentralised application ) on Coinbase Wallet 's program. I understand that user/victims have some responsibility, but if the company is aware of such great/dangerous risks, they shouldn't have such ability accessible to laymen, which I'm sure 99 % of Coinbase 's users are composed of. As I've described in a extreme example, you can't hand a gun to a child, then blame the child for shooting himself. Less extreme example, you can't give access to a car to a child, then solely blame the child for letting him get into a HUGE accident. If you'd like any further details, you can feel free to reach out to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have multiple times disputed XXXX XXXX XXXX collection to be to be removed from my transunion and XXXX Credit Reports. At least for Trans Union I have disputed several times and they have failed to remove this information from my credit report as the company has failed to provide any information from the original creditor on this debt, in fact my complaint through the CFPB they stated they are " trying '' to contact the original creditor, in the last two years they have n't sent anything!! In fact I called the original creditor and they do n't have any records for me. Thefore if this balance, proof of fees added illegally after charge off or a balance billing statement this collection should be removed. The told on themselves by stating in there response back CFPB that they have be unable to verify the balance on the public details of the last two payments one in which was the month before the account was charged off. This is not info to fall under FCRA, they must provide more than what is on my credit report to verify its accuracy. XXXX does not report this but XXXX and Trans Union are both illegally reporting this trash

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 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent in my police report and my FTC affidavit to the three credit bureaus XXXX and Trans Union Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then Transunion accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX  XXXX XXXX Date Opened : XX/XX/2017 Transunion also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy TransUnion accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.

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 2019-09-29
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:
I sent a dispute letter via certified mail to have the XXXX XXXX account, XXXX XXXX {$54.00} be deleted from my credit report. Dispute letter was mailed XX/XX/2019. 
This account is still showing up on my credit report as of today XX/XX/2019.

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 2022-01-08
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-24
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
BMW HAS BEEN MISMANAGING MY CONTRACTED CAR LOAN FROM XXXX XXXX XX/XX/XXXX. I HAVE MADE ALL CONTRACTED CAR LOAN PAYMENTS. BMW HAS REPORTED ME 30 DAYS + LATE FOR OVER 2 YEARS TO PRESENT ON PAYMENTS. MY RECENT/ CURRENT CAR PAYMENT WAS ON XXXX XXXX MADE TO BMW , BMW IS NOT SHOWING ANY PAYMENT MADE FOR ANY MONTHS OF THIS YEAR, AND LAST YEAR. MY BALANCE DOES NOT REFLECT A TRUE BALANCE. ( XXXX. ) MY MONTHLY PAYMENTS ARE XXXX DUE ON THE XXXX OF EACH MONTH, I HAVE ALWAYS PAID $ XXXX MY CONTRACTED PAYMENT ( XXXX ). XXXX HAS ADDED AND ADDING FEES, AND MORE FEES. TOWARD THE END OF THIS LOAN, ( XX/XX/XXXX ) BMW ROBOTS CALLS US, MY HUSBAND, AND I EVERY DAY STARTING AT XXXX TO XXXX XXXX, I HAVE CALLED, SENT REGISTERED MAIL, TO ALL THE COMPANY 'S, INCLUDING THE CEO IN XXXX, I HAVE MADE NUMEROUS OF COMPLAINTS TO THE CREDIT AGENCY.BMW HAS BEEN TARGETING MY/OUR CREDIT,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am displeased at the disregard to the dispute I recently submitted asking for fraudulent accounts I do not recognize to be validated.

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 2022-02-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION XXXX ACCOUNT NUMBER 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 2022-02-04
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I received a notification that my Apple Credit Card ( issued by Goldman Sachs ) was being used at anXX/XX/XXXX. As I was sitting at home, it was clear that this was being used fraudulently. Before I could cancel the card, it was used a second time at a nearby store. Afterwards, I was able to cancel the card and was in touch with Goldman support to let them know about the fraud. The following day on XX/XX/XXXX, they applied a refund to my card in the amount of the fraudulent purchase. I thought all was well. 

On XX/XX/XXXX the refund was reversed, and I was told I owed ~ {$1200.00} ( for the fraudulent purchase ). In addition, I was immediately charged interest on this balance. I have gone back and forth with Goldman  support over this past week and they seem unable or unwilling to fix this issue, and have also shared with me they have reported to the credit agencies that I have missed a payment, obviously not a good thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: UT
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:
Inaccurate reporting on my credit report. Sent 1st dispute letter with certified mail Receipt XX/XX/XXXX. NO RESPONSE from Credit Bureau. Sent 2nd Letter ( 30 Day past due - NO RESPONSE LETTER ) as well as notification of inaccuracies still reporting and demanding deletion of account. STILL NO RESPONSE! Sent Letter # 3 on XX/XX/XXXX certified mail again demanding deletion of the account as the credit bureau had obviously not verified with the creditor. The account inaccuracies were showing multiple months of " XXXX '' which illegally re-ages the account. By not replying to the consumer as requested within the allotted time frame, violating the FCR Act as well as their willful non-compliance and violations of not doing their due diligence of investigating and verifying said account with the reporting company ... .. the account must legally be deleted 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 explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: LOAN TO LEARN
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
LOAN TO LEARN ACCOUNT IS NOW IN COLLECTION WITH XXXX XXXX IN XXXX VA. I CURRENTLY HAVE A PAYMENT PLAN WITH THEM, AND HAVE BEEN PAYING ON TIME MONTHLY. SINCE THE LOAN IS NOW IN COLLECTIONS, AND IS NO LONGER WITH LOAN TO LEARN, THIS INFORMATION SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX SHOULD BE REPORTING MY PAYMENTS SINCE MY ACCOUNT IS NOW WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from CCS saying that XXXX XXXX placed my account with them to collect a debt. 
This " debt '' with XXXX XXXX  was disputed and dismissed. I have a screen shot from their website saying that there is no such claim. Nowhere in the letter received from CCS does it say that I can dispute this claim. Only instructions to make the check out to XXXX XXXX, but they say I don't owe anything!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 called Transunion in regard to an hard inquiry from XXXX XXXX made yesterday XX/XX/2019 which I did not do and have no knowledge of. They told me XXXX XXXX had permissible purpose and advised me to get a letter of deletion in order to get it removed. I then called XXXX XXXX. There are no records of any new accounts with my personal information ; my name and social, in their system, there was no attempt at all. I just cant and dont understand how can this hard inquiry magically appear on my transunion credit profile from XXXX XXXX   and XXXX XXXX is saying they had nothing to do with it. XXXX, the representative from XXXX XXXX said she couldnt provide me with any letter about an inquiry that did not happen.

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 2021-03-10
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: Information belongs to someone else

Complaint:
Dear CFPB I am writing to dispute the following information on my file. 
The inquiries below were not requested by me nor have I applied for credit. 
XXXX CARD XX/XX/XXXX, XXXX  CARD XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX and XX/XX/XXXX, XXXX XX/XX/XXXX. 
Collections : Reason : The accounts made or posted on my Credit Report are fraudulent. I do not recognize these creditors or collectors and I have not conducted business with them in any way. 
XXXX XXXX. XXXX. Account # XXXX XXXX XXXX XXXX. ( XXXX ) Acc # XXXX The accounts below do not belong to me and I do not recognize them. 
XXXX  XXXX XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX These Addresses do not belong to me and are inaccurate : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX All this information was review and not resolved on XX/XX/XXXX 2021

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 2022-02-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
I started by sending a letter to the company so that I could verify the validity of this account. I could not verify the account with the information I received. I sent 2 letters requesting this information. I then sent a cease and desist letter, I requested that they not report this unverified debt until I receive the information so that I could verify the validity. Next, I filed a complaint with XXXX. They responded but it did not show any information that showed this was my account. XX/XX/2022, I spoke with XXXX XXXX and XXXX XXXX ( collection supervisor ) about this problem and they were unable to assist me.

Company response to consumer: Closed with explanation