BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX, I purchased 2 XXXX gift cards issued by U.S. Bank worth {$200.00} each from XXXX in XXXX, WA. 

I attempted to use them on XX/XX/XXXX, but found one gift card had a fraudulent charge of {$180.00} at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. The other gift card had a fraudulent charge of {$190.00} also at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. The cards were in my possession in XXXX at the time ( and I still have the cards ). 

After calling the customer service phone number on the card, I wrote and faxed a dispute letter and filed a stolen card claim on XX/XX/XXXX to the U.S. Bank dispute department at XXXX. 

I received a response letter and a new card on XX/XX/XXXX. After returning the information, U.S. Bank claimed I did not dispute the charge within a 4-month timeframe despite already acknowledging the dispute on XX/XX/XXXX ( 3 months after the XX/XX/XXXX charge ). 

It is now claiming it can not help me despite my complying with all of their requests in a timely manner. It seems like this is a widespread issue with U.S. Bank XXXX, which is more concerning.

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 2020-09-22
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:
SOMEONE USED MY INFORMATION TO OPEN A LEASE IN MY NAME THAT DOES NOT BELONG TO ME THE ACCOUNT/LEASE WAS OPEN FRAUDULENTLY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-08-13
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear sir/madam, Due to the pandemic, I lost my XXXX XXXX and I fell behind my mortgage payments.The lender offered a loan modification which I accepted, it was signed notarized and return but they claimed that they never received it so they cancelled that offer and asked for the full amount due. Eventually they started to accept payment and I'm paying extra every month but it is a hassle to find someone to accept the payment. Today XX/XX/2021 I tried three times with a long waiting period and no one to accept my payment I also found out that my last payment is in suspense. This is so difficult and frustrating and I'm looking for help to get it solved, I would greatly appreciate if someone can help me, Thank You.

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 2020-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Trans Union is reporting accounts as included in Bankruptcy that are more that 10 years old. In addition, they are reporting accounts in the Public Records sections that are showing a included in bankruptcy when they are not. They are also showing accounts that they say were verified with agencies that I no longer have an account and and have not had an account since XXXX, as they were refinanced in XXXX and paid in full. 

Court Name XXXX XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX XXXX XXXX  Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX XXXX XXXX   Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX Docket number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$0.00} Court Name XXXX XXXX number XXXX Record type Incl. in Bankruptcy Month filed XXXX, XXXX Balance {$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 2018-12-28
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:
Please again remove or correct this information at the earliest possible time

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 2021-08-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My order number : XXXX current order contains XXXX bitcoins, worth $ XXXXTransaction hash address XXXX I asked for a refund, but Coinbase Commerce ignored my refund, I was told to continue to make the payment, that I had made the payment, and that my merchant had confirmed that I had made the payment, but Coinbase did not acknowledge their error, that they had committed fraud, infringed on my legitimate assets, and wanted to encroach on it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Mercedes Benz Financial Services
State: CA
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 wrote a few letters to the creditor and the bureaus regarding some lates reported on my accounts and they have not responded or fixed the error. I don't feel like this was my fault, I submitted proof that they funds were available when the payments were due but they were trying to take the funds from an account that was no longer active. All I want is that they fix the error and remove the lates reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-04-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX  and Experian are reporting a bankruptcy on my credit report, as verified. The XXXX District of Illinois does not provide data to 3 party companies/vendor

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 2018-01-26
Company: EQUIFAX, 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:
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$770.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$340.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$280.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$180.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2200.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: SIMM Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX and they have said there is no such bill outstanding due them.From my account. I have since closed my account. 


First notice for collection was recieved on XXXX from : XXXX XXXX XXXX XXXX XXXX 
Phone No. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
The notice said I owed {$120.00}. 


The second notice I recieved was from a different place. This notice said same amount {$120.00}. 
SiMM Associates , INC . 
XXXX XXXX XXXX XXXX 
XXXX, DE XXXX phone no. XXXX When I called it went straight to music. 

My name is XXXX XXXX XXXX XXXX phone no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I applied for a loan with Rocket Mortgage after they called and emailed multiple times ( attached ) and told me they got a request to pay off our current loan with Rocket Mortgage. We had a loan in process and Rocket promised us a low closing cost loan at a slightly better rate. I let the company ( XXXX ) who was working on our loan know our decision and they thanked my for notification. I have copies of this email. 
Rockets loan was for 2.125 % rate no points and they would pay for appraisal 15 year loan with approximately {$100000.00} cash out. Our current loan with Rocket is at 4.6 % with about {$65000.00} balance remaining. 

The Rocket agent promised that they could close the new loan quickly and that we were 100 % approved. We did all the steps required let their appraiser have access etc. and provided all documentation. I requested updates and they kept saying the ball was in their court. About 2 or so weeks ago Rocket called and said since appraisal came in for so much more than we estimated trying to get us to borrow more money. About two days later someone called and said its taken them too long to get the title company ( which they chose ) to close the loan so they sent me an updated rate with points ( their title company notified us on XXXX XXXX see attached email that they were working on loan ). I said that is unfair and could you please just keep the original terms. They passed me from person to person for about two weeks I think and now today the person XXXX XXXX tel XXXX email XXXX said " After speaking with many people it looks like we are not able to do the loan as was once stated '' He also said he tried to get in touch with me but was unable to get a response. I have no emails, texts or phone messages from him. I requested the Rocket Mortgage legal department contact with no response and told him via text that I was going to file a compliant with the Consumer Financial Protection Bureau. 

I have numerous emails and text messages from the 90 day ordeal ( most emails attached ). They got me to switch from a company that I had worked with before and a company which had extended lock periods due to their inability to get an appriaser in a timely fashion. This is unethical and I would assume illegal. 
Please let me now next steps. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Oasis Legal Finance Holding Company, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX I applied for a settlement loan from Oasis Financial. It was all handled online and over the phone. They asked did I want to make payments or wait until my settlement came in to pay off the loan and I opted to wait until settlement. I did sign a contract saying I would pay back 36 % apr on {$5000.00} which at the end of period would be {$7100.00} at loan maturity. Never was I told that I would be charged 6 % interest monthly on this loan I did see a 3 % monthly accrual charge on deferred payments on principle which I was lead to believe would be $ XXXX on the {$5000.00} I borrowed and today a woman tells me its 6 % which is $ XXXX. I offered to pay the 3 % of {$150.00} a month to keep that charge from adding up until the end of my settlement agreement, but I was told I had to pay over {$2000.00} today then make monthly payments of close to {$300.00}. Which I explained Im being put on XXXX and can not afford that. I have no problem paying the original {$5000.00} plus the 36 % apr which over two years totals {$2000.00}. But I feel like they mislead and misrepresented their terms. Please let me know what I can do? I have emails and contract documents from online handling of my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had XXXX XXXX on XX/XX/2017 my XXXX XXXX insurance paid my bill there are no other charges due. XXXX hires XXXX to collect money due to their error of billing. They have been paid and verified from XXXX XXXX. Remove at once from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
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:
I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct, a letter is enclosed that explains everything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: CT
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:
I have been disputing an old account with the bureaus. There is an account with XXXX XXXX for which I requested the payment history directly from the company and they have yet to respond to me. That was XX/XX/2020 and yet they supposedly respond to the bureaus. Experian is showing that they validated the information however how can an account be 90 days late without ever being 60 or 30 days delinquent? That is just common sense!

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 2018-01-26
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Following the 2017 XXXX data breach announcement, I initiated a credit freeze with all three credit reporting agencies. 

Experian responded with a written request and {$11.00}. 

I sent all the data and money they asked for. 

Experian failed to cash my check. 
Experian failed to freeze my credit report. 

I attempted to initiate a dispute, but they are having 'difficulties '. 

'' We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. '' Am I allowed to freeze my credit report with Experian? 
Are they allowed to ignore my request to freeze?

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 2018-12-30
Company: LEXISNEXIS
State: IN
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:
LEXISNEXIS says that a public record is verified and sold their incorrect information to other credit reporting agencies and refuse to delete the incorrect information. At which I have documentation that I sent LexisNexis on XX/XX/2018, for a deletion of said incorrect information. LexisNexis refused ft follow the letter of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing in regard to the several attempts I have made to Transunion to remove the multiple inquiries that's showing on my report. I have sent certified letters ( XXXX & XXXX ) to Transunion with a copy of my ID and SS card and proof of my current residence. I advised also by phone that these are not recognizable inquiries and it is impacting my credit score. I also advised in a certified letter that there is a bankruptcy that is showing on my credit file that needs to be removed. I contacted the US bankruptcy court to ask them about a case that's showing on my Transunion and XXXX  report, I was advised by the clerk that they do not report information to the credit bureaus. I called back ( XXXX ) to advise that the information that you are reporting on my file is incorrect and needs to be removed. I received a letter in XXXX stating that my inquiries and Bankruptcy came back as verified. I sent another letter in XXXX asking them to please send me proof on the evidence they attained to verify if any of the information was indeed mine. I have yet to receive a validation from XXXX or Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: TN
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:
XXXX is updating the information on my credit report instead of fully investigating the accounts that are reporting false on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was opened in XXXX and is still reappearing on my credit report. Please remove this Auto Loan from  credit report. Thank you. 
Unfortunately, I do not have any documentation and/or billing statements and receipts at this time. 



XXXX XXXX XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeAuto Lease ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms NA On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation