BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-24
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2023-02-01
Company: PNC Bank N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I placed my credit card payments in deferment. When though I set up the deferment over the phone with an agent, my account still showed a delinquent causing me serious hardship. 
This issue has hindered me from providing housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: OH
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:
There are third party medical collections on my credit report that do not belong to me and I did not authorize. This is a violation of the HIPPA act. Here are the accounts : XXXXXXXX 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 2020-11-23
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When i checked my credit as i often do, i saw that Jefferson Capital placed a {$10000.00} and {$1300.00} collection on all 3 of my credit reports which is false and untrue. When i contacted Jefferson Capital demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly Jefferson Capital has not validated any contract that i consented or agreed to with their company. Jefferson Capital has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2018 my old roommate was contact by Nissan Motor Acceptance in regards to my wife 's auto loan. My wife did not use this individual as a personal reference and there was no consent to contact this indivudual. I work in the industry and I am fully aware of who can be contacted and who can not be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I filed bankruptcy in XXXX and all accounts were closed due to this. Santandar had my auto loan and insurance paid off car after an accident. I thought I still had to pay on the balance not paid but then checked my credit report and this account was closed under the bankruptcy. This means I do not owe any more to them and they call daily to collect. This has to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX credit consumer reports : Dispute : Capital One Auto Finance I have reached out to both Capital ONE and the credit reporting agencies for the past two years. I am a victim of identity theft. There has been a police report filed regarding someone purchasing a car in my name. I now have a freeze on my social security to alert me when my credit or name is being used as well as a pin assigned each tax season. All of this was provided to capitol one with no resolution. I cooperated with their investigation team and got no help with removing this. It was charged off .Eventually I able to have one Credit agency remove it from my report however I am having to re dispute this with each agency. I have attached proof of all vehicles ever registered in my name as well as proof of the credit agency removing it from their system. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Called XXXX XXXX about inquiries I didnt recognize on my report and asked them to remove. They did not .even after I contacted the people and they acknowledged I didnt authorize. 

1. Capital one 2. XXXX XXXX  3. XXXX  XXXX  4. XXXX  XXXX  5. XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/XXXX I contacted TransUnion about the following negative accounts XXXX. XXXX, XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$4300.00}, Original Creditor XXXX XXXX, XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$350.00} ), XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-05-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have become aware of a large sum of debt that has been obtained illegally using my identity and personal details. Most of the debt is due to collection accounts from utility and telephone companies. I have contacted the credit furnishers and credit agencies but have had no results or actions taken to help me recover from the thefts. I have since educated myself on the laws that protect me from these unjust acts. I Now am submitting my dispute and docs with cfpb so that I have record proof of the complaint since my prior mailed and site uploaded disputes have only been ignored and not completed within the laws guidelines according to the fcra.

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 2017-09-14
Company: Andover Auto Sales, Inc. D.B.A. Broadway Auto Mall
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX XXXX, 2017 the repo man tried to get my car. My payments are current. My contracted payment is {$170.00} every two weeks. I pay {$200.00} every two weeks to pay a little extra. Broadway Auto Mall in XXXX, KY told me if I want to keep my car I was going to have to start paying {$250.00} every two weeks because I 'm XXXX behind but no one can explain this. I ca n't afford {$250.00} every two weeks. I bought my car with a payment reasonable for me. I do n't know what to do and I need my car for my job. I was sick the weekend my payment was due. It was just due on XXXX XXXX, 2017! They 're trying to repossess my car for a couple days late.

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 2023-06-15
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 don't have a late payment on XXXX, my balance is less {$900.00} and they report {$1900.00} and wrong utilization pourcentage I have called them to fix this, they referred me to the reporting agency all XXXX bureaus did not correct it despite I sent pictures of my new balance and no late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I applied for refinancing with Caliber Home Loans. The Loan was conditionally approved on XX/XX/XXXX. After submitting all the necessary documents they requested to underwriting we were approved and signed the refinancing agreement on XX/XX/XXXX. The new rate would lock us in at a saving of about {$400.00} a month. It is now XX/XX/XXXX and the loan has still not been closed. They have continued to give me excuse after excuse because of a subordinating home equity line. It was told to me that all the escrow need for my taxes would be included in the loan and we would be getting our current escrow amount back, but then as of recently they said i owe XXXX. I'm assuming someone didn't do their paperwork correctly and due to the lengthy closing process my taxes were paid out and left me with a deficit. The resolution i'm looking for is this get closed in the next 6 days. If it's not closed by XX/XX/XXXX, I'm requesting no payment for the month of XXXX or XXXX. The first payment will be XXXX XXXX. I want an explanation to why i was told i would have XXXX coming back to me from escrow and now i'm XXXX in the red. I want some sort of compensation for the {$800.00} i lost over the last two months for the difference in my mortgage that should have been closed. If this is not resolved by XX/XX/XXXX. I will have no choice, but to turn this over to my Attorney as i'm tired of dealing with it. The people i have dealt with from Caliber are XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have learned over the last several months that I am a victim of identity theft. I have taken the steps and recommended attempts to resolve and recover my damaged credit history. I have mailed in and uploaded many documents to the credit agencies and creditors to undue these thefts but non of my attempts have concluded in results. I have now contacted an attorney to proceed further if this last recorded attempt is ignored as the others. I have included all that the laws of the FCRA require to remove and block these fraudulent accounts. I will also attach those documents to this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have learned over the last several months that I am a victim of identity theft. I have taken the steps and recommended attempts to resolve and recover my damaged credit history. I have mailed in and uploaded many documents to the credit agencies and creditors to undue these thefts but non of my attempts have concluded in results. I have now contacted an attorney to proceed further if this last recorded attempt is ignored as the others. I have included all that the laws of the FCRA require to remove and block these fraudulent accounts. I will also attach those documents to this compliant.

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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On this date ( XX/XX/17 ), I went to each of the three credit reporting agencies and applied to freeze my credit reports. I was able to freeze my XXXX XXXX XXXX reports, and when I tried to do so with TransUnion, they guided me through the process on-line, but, somehow, they signed me up for " Credit Report Monitoring '', not simply freezing my credit report, and I was charged {$20.00} for this " service ''. At no time during the process was I advised that I was applying for credit monitoring and nowhere did they indicate that I was being charged. I was asked for my credit card information, however, I assumed it was for confirmation of identity. At the end of the process I was simply sent an e-mail indicating that I was charged {$20.00}. The website is set up in a deceiving way, and they fail to disclose that the " application '' is for credit monitoring and that there is a charge for this service. I do not want credit monitoring, and only wish to freeze release of my credit report. 

I have been on hold with the company for 30 minutes already, and no one has yet helped me, and there is no means of contacting customer service online.

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 2018-10-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need XXXX, Experian, and XXXX  to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on 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 2020-05-26
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I did have direct deposit until all this stuff happening. I was overdrawn on my prepaid debit card by XXXX and with a {$15.00} fee it came to XXXX and with a {$20.00} order rush it came to {$130.00} which. Was taken out of my account when I received my oregon income tax refund of {$220.00} on XX/XX/XXXX then again on XX/XX/XXXX {$110.00} Was taken out again then another XXXX was taken again but this last one was taken off the registry but it was still taken not spend kept saying it's on there but not taken off. I finally got someone to go transaction to transaction to determine my actual balance and then when he realized I was right he hung up on me so netspend took out the {$110.00} out of my account 3 times so even though on XX/XX/XXXX netspend has the XXXX as a positive to my account but they took it out of my deposit on XX/XX/XXXX then again 2 more times and one of those times netspend erased from my register but in an audit it will be proven just be going through my account transaction after transaction to be technical this is not spend all access

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 2023-04-15
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize any of the credit inquiries. 
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 2018-08-23
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
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:
See attached document showing payments still not reported per XXXX, missing from credit bureaus. Per taped phone conversation and CFPB complaints ... XXXX did admit to wrong doing per their representative, Mr. XXXX XXXX misguiding me to stop making payments at the beginning of my VA loan which led to the beginning of the multitude of CFPB complaints. 

Per XXXX making final payment of forbearance and stating, " XX/XX/2018 we will submit all payments that have been made to the credit bureaus. '' **See attached document showing payments still not being properly submitted** I need ALL of my payments reported through out my VA mortgage loan. I need a statement sent to the credit bureaus so the proper changes can be made. Please refer to taped phone conversations as well police report over the past year of multiple complaints against XXXX Nationstar Mr. Cooper with regards to incorrect reporting, errors being reported, made up information being reporting, over {$100000.00} without my knowledge as well being added to my current VA mortgage loan. 

Per taped conversations per your company representatives, " Mr. XXXX XXXX, Mr. XXXX XXXX and a female representative, " XXXX '' who works for Nationstar ... Refer to the information where it was clearly stated to me via phone ... to give them until XX/XX/2018 and we will make sure that all payments will finally be updated with the credit bureaus and then my credit should reflect the changes ... positive changes. 

The complaints will escalate to higher powers that be until this is once and all resolved. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with US bank and I was under the impression that it was federal law that they have to remove the mortgage insurance when the value of my loan goes below 78 %. 
The value of my loan is less than 78 % and they are telling me in order to remove the mortgage insurance I have to get an appraisal on the house as well as get something from city hall letting stating there are no Liens on the house. 

Why do I have to obtain these things when it is federal law that they remove it when the principal goes below 78 % of the original loan amount. It costs money to get an appraisal done.

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 2021-03-30
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The company is coinbase pro that serves as a wallet and portal for cyrptocurrency. Without notice, Coinbase upgraded it's security protocol that required two factor authentication using a cell phone number.

When myself and many others tried logging in, we were unable to access our funds because we had not setup cell phone numbers within our accounts. I have sent numerous correspondences with my Govt. ID and other verification documents but they won't respond ( beyond automated responses ).

Company response to consumer: Closed with explanation