BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
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:
I have tried on many occasions with all 3-credit reporting agencies. they are report inaccuracies and inconsistency on my credit report. they are not metro compliance, all items they claimed to have investigated and how was that done and still its inaccurate and inconsistent no updates. remove they are hurting my credit. and all negative items that is hurting my score must be removed immediately. i have attached documents of proof of the inaccuracies and inconsistencies

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 2021-03-09
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:
Equifax has handled a few disputes related to the account XXXX XXXX/ XXXX XXXX on my EQ credit report. Virtually no corrected information has been updated or added to the account has happened. 

XXXX XXXX  in XXXX of XXXX sent me a letter after a complaint was filed with the the cfpb containing what they claim is the correct account information and history for the XXXX account. using that same letter with information compared to the info listed on my EQ CR payment dates are incorrect, date of first delinquency is as well and other errors are present. 

unfortunately i have yet to dispute the account with the info in the XXXX letter, because a dispute filed on XX/XX/XXXX D # XXXX is currently at 43 days and counting. which includes an incomplete dispute of the XXXX  account. ( tried to update and cancel dispute early on, was turn down ) The account listed on my CR as XXXX is a charged off ( XX/XX/XXXX ) and closed account that was sold off ( XX/XX/XXXX ) and XXXX XXXX is no longer collection *above info taken from XXXX letter to me. * In XXXX of XXXX and XX/XX/XXXX EQ has listed C/O 90 day late payment negative marks on my EQ CR. for an account that has been closed since XX/XX/XXXX these countless errors in reporting this account has caused my credit great stress. but the erroneous missed payments for a closed account of over 5 years before has been a black mark on this CR for over a month. it single handily was the reason i was denied a car loan refinance 2 weeks ago. that 120 plus dollars a month and interest rate cut that i was depending on greatly for budgeting going forward. this account and its errors have been ignored across all 3 CRA to the point its laughable. But the parent company sending me a letter that contradicted all the almost all listed info in the accounts, should have fixed the issues. But, no EQ listed more errors and have left a dispute open over 2 weeks past 30 days keeping me from trying to fix this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
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: Reporting company used your report improperly

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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-10-12
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I modified my mortgage with Ditech in XX/XX/XXXX. Ditech has misapplied my XXXX payment and credited it to XXXX. Ditech has missed the payment credited to it on XX/XX/XXXX and instead applied my XXXX payment to XXXX. This has had the effect of making me look late since XX/XX/XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} or XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX Open Date XXXX XXXX, XXXX Balance : {$290.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Correspondence was sent to  CapStone Credit Services  on  XXXX / XXXX /   2016 inquiring about a {$380.00} debt reported to  XXXX ,  XXXX  &  XXXX . I requ ested information regarding the facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illega l for CapStone to c ontinue reporting this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Ad Astra Recovery Services Inc
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt appeared on my credit report that was/is not mine. I contacted the collection firm and informed them it was not mine, but my statement had no effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number XXXX. In XXXX of XXXX XXXX  illegally repossessed a vehicle I had with them. XXXX XXXX then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of { {$13000.00} } and I should have been due some amount of equity returned from the sale.

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 2016-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX/XXXX/XXXX SS # XXXX You still have not deleted XXXX as you can see XXXX has it displayed correctly on my report but you do not this has gone on for far too long you must correct tower FCU or delete it stop playing games and do your job!!! 
Delete XXXX XXXX You have id and utility bill an drivers id attached COMPANY XXXX - XXXX. XXXX XXXX XXXX - LOAN TYPE Credit Card Credit Card - ACCOUNT NUMBER XXXX XXXX - ACCOUNT HOLDER Individual Individual Account - DATE OPENED XXXX, XXXX XXXX, XXXX - STATUS DATE XXXX, XXXX XXXX, XXXX - CONDITION Closed Closed - LAST ACTIVITY XXXX, XXXX XXXX, XXXX - BALANCE {$0.00} {$0.00} - STATUS - Wage earner or similar plan - LATE 30 DAYS 0 times 0 times - LATE 60 DAYS 0 times 0 times - LATE XXXX PLUS DAYS 0 times 0 times - WORST DELINQUENCY None Reported None Reported - HIGH BALANCE {$0.00} {$0.00} - TERMS - - - SCHEDULED PAYMENT - - - CREDIT LIMIT {$0.00} {$0.00} - REMARKS Consumer disputes after resolution Chap. XXXX/dispute resolved/consumer disagrees - Contact 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 2018-12-14
Company: BMW Financial Services NA, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I fulfilled my lease obligations. I bought a vehicle when my lease was up and part of the deal was the dealer being XXXX XXXX XXXX was going to pay my last note to bmw financial. They paid the note but given incorrect amount by Bmw financial. I called Bmw financial 2 months before my lease was up and was told that I would receive a {$300.00} credit bc I was under my mileage by almost XXXX miles. I receive the {$800.00} plus bill that is in collections. They confirmed they received pmt but for whatever reason they did not issue my {$300.00} credit or post pmt. have contacted them 20 plus times been told I can not speak to a supervisor they said they would settle for {$170.00} instead of {$300.00} disposition fee which they arent now. I owe nothing. They are billing tax on everything as well. My car note was {$490.00} its their fault they told Bmw XXXX {$450.00}. Tried to fix that I got letter saying call dmv we are billing for tax. Im a XXXX XXXX  family widow of XXXX died on XXXX XXXX I dont pay car tax. Now they are ruining my credit. Doesnt seem legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I believe that Citi is retaliating against me for my prior CFPB complaints by refusing to move credit from my Diamond Preferred card to my Double Cash card. There is no logical reason for them not to do so, except for retaliation. I called the Citi EO and spoke to XXXX XXXX who has replied to my previous CFPB complaints. She agreed to put in a request to transfer the credit already available from my Diamond Preferred card to my Double Cash. When I was ready to do so, she was unavailable so another EO rep put in the request. They called back several days later to tell me that my request was denied due to debt. This makes no sense because: 1) My credit score is higher now and my credit card debt levels lower than the last time they approved me for a card just a few months ago2) I recently closed a Prestige card with Citi, so their exposure to me is reduced anyway3) They would have no additional risk because I am not asking for an INCREASE in credit, I'm simply asking to move credit 4) They would not be at a financial risk because I am moving credit from the Diamond Preferred (0% APR) to the Double Cash (16% APR)5) They would allow me to switch the card type for the Diamond Preferred to the Double Cash, but not move the credit, so I would still have the same larger limit on a Double Cash card, just not the one with more history, showing this is arbitrary.It is important for me to move the available credit ($XXXX) from my Diamond Preferred to my Double Cash because the Double Cash is older and I don't want to lose the history. I plan to pay off the Diamond Preferred and close it once this small part of its $XXXX limit has been moved. It would harm my credit to have to have to switch the newer Diamond Preferred card to the Double Cash and close the older card with more history. At this time, I am NOT requesting any card be closed.As you can see from above, Citi's rationale is complete nonsense for not moving the credit line. I believe the only possible rationale is retaliation. They know it would harm me to lose the older Double Cash trade line.

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 2022-10-24
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 received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX. ) I sent a complaint on XX/XX/XXXX to remove Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA and Account : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$20000.00}, that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint. I am including it again.

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 2016-05-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The address : XXXX, Fl XXXX I have never lived at, visited or otherwise have any knowledge of This address except to say we heard that our account was in fact hacked from XXXX And they attempted to have all new credit, cards in my name delivered to this address. Some time ago..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; US DEPT XXXX OF EDUCATIO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX  Original creditor WXXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXL Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-06-07
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Good morning, in XX/XX/2021 I have opened an account in Coinbase to buy and sell cryptocurrencies, I have verified all the data that they asked me and everything without problem. I have started trading, buying and selling, and a few weeks ago they have put my account " under review '' without giving me an explanation of the problem or a possible solution, since then I can enter my account but I can not operate, buy, sell or transfer, assuming this A great prejudice for me due to the price variations of cryptocurrencies. I have contacted the company 's technical support on several occasions and they do not give me a solution, they tell me that the problem is solved and they have closed my complaint, but the problem continues and I have the money blocked. 

I have my account verified with level 2

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : - ; US DEPT . OF EDUCATIO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: KEYCORP
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Key Bank Real Estate Capital has app. {$30000.00} of my money in an escrow account on a mortgage that was paid off almost one month ago. {$5500.00} excess overage due me has been in their escrow account since XX/XX/2015 and they 've yet to refund my money. Mortgage number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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 am a victim of identity theft

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