BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: SinglePoint GI
State: LA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
General Revenue Corporation XXXX left a message on our home phone voicemail stating that they are a collection agency for student loans for our son. Leaving a different telephone number XXXX to call them back with a identification number. My son called them back and they gave him a collection amount of {$8000.00} he owed on student loans. Which this amount is incorrect. They told him that to pay off right away the amount is {$6800.00} or the other option would be a down payment of {$1000.00} with monthly payments of {$200.00} a month.They also mailed a letter with a demand of payment that was suspicious. The method of payment was for a credit card or debit card only. We did some research on the internet about this company and their webpage was very suspicious. We checked the student aid website to confirm that Subsidized and Unsubsidized Direct Loans are protected by the Cares Act. Private loans like Perkins Loans and FFEL-Federal Family Education Loan are not protected by the Cares Act. Login into your federal student loan account and check the status first. Then he contacted federal student aid XXXX to check on his account to make sure that the same loan servicer that manages his account was still in effect. After that he called his Loan Servicer company which confirmed also that his student loan payments is still deferred under the Cares Act. That deferred status has been extended to XX/XX/2021 by the Cares Act, and his account has never been turned over to collection. Never give these people any personal information. Always check on your own student loans accounts yourself first by logging into your account. Then call federal student aid at XXXX for additional help and questions about your loan status. Do not call these people back. If there is a problem with your loan find out from federal student aid who your loan service company is and how to contact them first. Then follow their instruction. If your loan service company changes you will be notified in writing who the new company is. The new company will contact you in writing with all the contact information and explaining that they are your new loan servicer. Check your credit report, it will contain all your student loan accounts and the name of your loan servicer, address and telephone number.This telephone call is a student loan scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been scammed with a company called XXXX  i transferred money from coinbase to it but they did not take no action to help me out i lost XXXX the last time i sent money was XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
Hi I've been asking the bureaus to look into the accounts below and I tried to send a follow up letter as well. No response or update. 

Letters were sent XX/XX/2021 and XX/XX/2021 accounts : 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 non-monetary relief
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Someone tried to get a capital one platinum advance card but didnt get approved and it decreased my credit scores and I will like to dispute a hard inquiry through my credit report and hope that my credit goes back to XXXX fair and its decreased to XXXX fair due to an hard inquiry and I will like to dispute it because these. Actions was due without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. The accounts are being reported currently open and the accounts need to be closed. 
XXXX account number XXXX opened on XX/XX/2022 for the amount {$530.00} XXXX XXXX XXXX  account number XXXX opened on XX/XX/2022 for the amount of {$140.00} The accounts are being reported currently open and need to be closed immediately. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. This account should not be furnished on my consumer report. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2018-10-19
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have made several calls Chase Bank in order over the past three months or more.

I attempted to receive clarification regarding what I was being charged. I was never provided with a clear explanation of charges.

Even when I went to a branch office located 20 minutes by car from where I live. The branch officer printed a copy of my bank statement as it pertained to my credit card account ; but was unable to explain to me, why I was being charge more money than I had spent on my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, violated my rights. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: EQUIFAX, INC.
State: MS
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX  - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX  - I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX I did not authorize this inquiry? - I did not authorize these inquiries please remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We fell behind on our mortgage and signed up and were approved for a hardship program. During this time, they reduced our payment to XXXX, down from XXXX. We were told to do a loan modification while we continued with this payment amount. Huntington never reported any of my payments, causing my credit to drop drastically. Now they are stating that I am behind several months because the amount I was paying would not cover the amount due. The loan modification terms just become official this month but they never even discussed the terms with me. Every time I tried to contact them, they said they were behind due to covid. My bank shows payments every month but they did not report. 
In addition to the credit reporting, my new loan was nearly 25k higher than the original and my payment didn't decrease to what they said it would be. They have added almost 40k worth of late fees. Noone will talk to me to break this down. I've attempted more than a dozen times but always get the run around. The gentleman in charge is named XXXX XXXX. He has never contacted me. The terms of the new mortgage were sent out XXXX weeks ago and I had XXXX days to accept. I accepted put of fear of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
Please see the attached documents to understand what had happened.

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 2022-10-20
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
My last lease with XXXX XXXX has a 30 day late showing on both my and my wife 's credit. We were exactly 30 days late as I was out of the country and my automatic payment with my bank expired. I paid it as soon as I learned of the issue ( exactly on the XXXX day ) and XXXX XXXX said that they understood the issue and would remove it from my credit. They didn't ... 

My family has purchased or leased 6 vehicles through XXXXXX/XX/XXXX in the last 10 years ... and this has been the only issue we've ever had, and yet they have significantly harmed our credit as a result. 

Not exactly good customer service given the circumstances.

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 2022-10-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to SunTrust in the summer ( XX/XX/2021 ). I repeatedly called them over the summer to get my account number. They provide no way to communicate other than via phone and all calls have taken more than an hour each time with multiple holds and wait times. 
I only received my account number in the fall. I am not able to pay automatically by phone so I have to wait on hold to make a payment. I sent in forms to pay every XXXX weeks. They did not process these forms and assessed a late fee. I received an email ( that I can't reply to ) and a paper letter with the late fee XX/XX/XXXX -- after the fee was assessed. They did not communicate before the fee was assessed. 

I tried to log on to my online account and was blocked. I spent over an hour and XXXX minutes on the phone to get a person who could help me. For every service I request ( one-time payment, reoccurring payment, filing a complaint ) they put me on hold and make me wait. 

There is no way to communicate via email. I have no online access, phone communications require well over an hour of time for each item of communication. 

I believe SunTrust is abusing their customers by making themselves inaccessible and requiring hours of a person 's time to file a complaint.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I, Consumer XXXX XXXX entered a consumer credit transaction at XXXX XXXX XXXX for household and personal use and received no benefit. Sold and furnished my personal and private information to Capitol One as the lien holder and Converted to a " loan '' In accordance with the FTC, TILA, FDCPA, and FCRA is in Violation pursuant 12 USC 4502 ( 25 ) consumer rights pursuant 18 USC 242 deprivation of rights under color of law pursuant 16 CFR 444.1-3 and 16 CFR 433.2 preservation of consumer claims and defenses unfair and deceptive acts or practices. Billing error Pursuant 15 USC 1666 and 12 CFR 1026.13 Billing error resolution pursuant 15 USC 1692 e false and misleading representations pursuant 15 USC 1692 j Deceptive forms and obscene and profane language pursuant 15 USC 1692 d harassment and abuse.Any debt allegedly owed pursuant 18 USC 8. 15 USC 1635 right to rescission as to certain transactions, only recieved right to cancel did not disclose my right to rescind.15 USC 1692j furnishing deceptive forms. 15 USC 1605 Finance Charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/ I sent a dispute to Transunion regarding a public record of bankruptcy reporting on my consumer report. I received a response on XX/XX/ stating that it was verified when I spoke to a representative, i was told that it was verified through XXXX XXXX. I then called XXXX XXXX and they verified that there are NO bankruptcy records for me in there records. XXXX XXXX provided me with a copy of my report and it shows no bankruptcy records as well .I also contacted the court and they informed me that they did not report to any credit bureaus.

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 2021-11-17
Company: Experian Information Solutions Inc.
State: TX
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 am apply under the Cares act - because of the pandemic I lost my job and unable to maintain the payment to this account XXXX XXXX XXXX Account number XXXX. Please remove the account from all three of my credit bureaus so I may proceed to improve my financial situation. I am requesting relief under the Cares 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 explanation
Consumer complaint received 2022-10-29
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 XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 2nd ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR 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 2023-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have called several times to XXXX, XXXX and experian regarding this fraud. I have sent them all the documentation they require to block the fraudulent information and they have not done so within the 4 day requirement which by law states 15 US code 1681c-2 " A consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25
Company: NRA Group, LLC
State: PA
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 have found several reporting discrepancies on my credit bureau files regarding this collection account. I have tried to resolve the matter directly with the original creditor but to no avail. On XX/XX/2023 I mailed via certified mail a request for information on this collection account. The following letter was submitted for account investigation and to date this has not been addressed so i am requesting this file to be deleted asap. here is a screenshot of the requested information for validation of the debt. 

National Recovery agency XXXX XXXX XXXX. 
XXXX, Pa XXXX To whom this may concern, Your company said, I allegedly owe you money. I am willing to Pay under the conditions that you are able to provide : 1 : validation of the debt- - that is, the actual accounting.

2 : verification of a signed invoice.

3 : a copy of the contract binding both parties ( you and I ), and a letter by certified mail so that there is an independent witness as to it being delivered. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Along with the above requested information, i also discovered several inconsistencies on my credit report that I have outlined and will attach the file with the discrepancies highlighted for review.

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