BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-12-28
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have had a Coinbase account since 2012 to store my bitcoins in. I have my verified email and correct password, but since i have not accessed my account since then, I am unable to log in to manage my funds. This is because i had a different cell phone number then and it is used to verify myself when logging in with a text message. There is supposed to be a method to have the company Coinbase change my phone number, but they are completely unresponsive to my attempts to do this. I verified my identity when I created my coinbase, and this should be a very simple process to update my phone number and be able to log in. It has now been over 6 months of me trying to contact the company to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions 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:
XXXX a creditor on my credit report showed a 30 day and 90 day payment on my report. I filed a dispute because I have an email from extra showing that they submitted the correction back onXX/XX/XXXXXX/XX/XXXX Experian claims to have done an investigation and validated the late payments, however I have recent emails from extra saying that they were never contacted and that they resubmitted the correction. Experian did not do a through investigation because the original creditor was never contacted. I have attached a copy of the original email from the creditor on XXXX of last year, the recent emails. 

Creditor : XXXX Account XXXX : XXXX Report says i am a 30 a 60 and a 90 day late payment when I have not had any missed payments. THey are corrected my XXXX however not my experian. Please see attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a check from my mortgage refinance to pay off my American express personal loan. The check was drawn by my title company and addressed to American express loan with my name and account number as the remitter. American express received this check and credited my account on XX/XX/2019. They credited the account the amount of {$20000.00} however, I only owed {$20000.00} therefore having a {$640.00} overpayment on the loan. I called American Express on XX/XX/2019 to check on a refund check which I was told should have taken 7-10days after my payment was credited. The CS rep said he will file a case and have the money sent to me in another 7 days. I called back today XX/XX/2019 but was told they did generate a credit however on checking further my refund check was sent to the bank that issued their payoff check. American express does not have a relationship with my title company who issues their payoff check on my behalf. it was just ridiculous how the customer service rep could not understand how that is an error on their part. They sent a check out with zero information not knowing where it goes when they have my customer profile and correct address on file to issue a refund check. I asked for a resolution and that they expedite the refund to me. The supervisor I spoke to whose name and ID I wrote down seem extremely incompetent and doesn't know how to handle customer resolution. I would like my refund check back and like the process to be expedited since they will not be paying me interest for the days they are holding my finds. This has been the worst customer experience ever just to get my money back. I have been a loyal customer that made m payments monthly automatically. This is no way to be treated at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019- Officially pre-approved for a mortgage. Contact made first from XXXX XXXX XXXX who informed that the next person to take over would be XXXX XXXX. XXXX XXXX communicated effectively to both applicants. XX/XX/2019-Begins communication with XXXX XXXX . XXXX vaguely stated that she needed items for the mortgage. Information sent. Each step of the process XXXX took a full day to respond. Then XXXX called one of the applicants requesting information from the husband. There is no husband in this marriage. XXXX requested information from the husband several times over a period of days before finally answering the phone and being told that there was no husband or male in this application process. XXXX stated that mortgage was rejected due to only one applicant making less than {$7000.00} a year. XXXX did not review all of the documents submitted causing denial of mortgage and resubmission of all documentation Real estate agent contacted XXXX stating that the lack of communication and understanding of documents submitted is unprofessional. Request to speak with supervisor made on XX/XX/19. XXXX XXXX ( supervisor ) became defensive and stated that XXXX was doing her job and made a few errors. XXXX XXXX stated that XXXX XXXX stated that I worked part-time and mentioned information was incorrectly entered at the beginning of the process. Request was made for a new loan officer. XXXX took over the account and notified applicants that a conditional approval was made. Request of a donor letter from a bank was made. Donor letter was sent on several occasions. Spoke with XXXX XXXX on XX/XX/19 asking if the letter sent was acceptable for XXXX responded that she submitted the letter because she does not know how to reiterate to the applicants what is needed. Applicants read through the emails yet again and not once does any email indicate that the donor letter come from the donor 's bank which tremendously prolonged this process. Request contact with supervisor. Connected to XXXX XXXX. XXXX XXXX answered the phone call right away and applicant stated that there has been frustration with several workers in this process. XXXX XXXX proceeded to yell to the point where the audio was breaking up in this phone call. Request was made to this supervisor. Email and voicemail left for XXXX XXXX director of mortgage loans of USAA. Closing date is XX/XX/XXXX and present date XX/XX/XXXX when application was submitted XX/XX/2019. Applicants feel involved parties at USAA are sabotaging the loan after almost ten years of loyal service to USAA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : 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 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 2023-01-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have accounts and loans that are incorrect and some false on my credit report. I have addresses that are wrong and are on my credit e history. I have accounts and information that are fraudulent and are still on my credit report. I have not authorized any company to give out my information. I have disputed and reached out to these credit bureaus but have not have it removed. This is defamation of character and I can not financially take care of my family due to lack of funds and trust from lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: GLA Collection Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i recently did a free credit report when i noticed a derogatory mark from XXXX XXXX. I am not aware about this debt of XXXX dated XXXX of XXXX. I sent a letter to the company asking about what debt they where trying to collect, but in response XXXX XXXX stated i owed the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 remove XXXX XXXX XXXX  Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

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 2019-10-15
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:
Equifax has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and Equifaxs refusal to remove it. 

Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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. 

Please remove these asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I have disputed file with FTC, creditor will not reply .... I am trying to buy a house this is holding me up ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Bread Financial Holdings, Inc.
State: RI
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:
This is a credit account for 24 months with out interest used by our XXXX t0 finance XXXX  work. 
My wife started early this year, I started in XX/XX/XXXX. 
The attached PDF shows the typical XXXX XXXX XXXX XXXX XXXX billing stub. 
The stub clearly shows that payment must reach XXXX by XXXX XXXXET of the due date. 
I do all my billing thru my bank, and I have setup my account with XXXX with Autopay, for 24 months, so on the 19th payment will reach XXXX  ( as I have done with all my other billing ). So, XX/XX/XXXX was my first payment. 
On my XX/XX/XXXX statement I notice a {$39.00} late fee. 
I called and told the customer seervice rep that according to my bank ( XXXX ) payment was made and money withdraw from my account on XX/XX/XXXX. 
He insisted that no payment was made, but after a while trying convince the CSR he charged gave me a {$15.00} dollars credit. 
On XX/XX/XXXX bill again I found a late fee. 
I called again XXXX  CS but, knowing they would not be able to help, I asked for a supervisor, I was on hold for over 20 minutes, finally I hanged up. 
Made my payment in XX/XX/XXXX, and on XX/XX/XXXX I received a call from XXXX. 
Did not answer, but called back within 5 minutes. 
The CSR told me that I was overdue, I told her that - again - according to XXXX  payment was made and money withdrawn on XX/XX/XXXX, she insisted that it was not. 
I have attached also mu wifes XXXX stub and activity as a sample to show that both accounts have the same process. Thankfully, her account is OK. 
If I incurred an error setting up the account, I would like to know how XXXX was able to make payments and where this money is going, because the payment name and address are correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have accounts and loans that are incorrect and some false on my credit report. I have addresses that are wrong and are on my credit e history. I have accounts and information that are fraudulent and are still on my credit report. I have not authorized any company to give out my information. I have disputed and reached out to these credit bureaus but have not have it removed. This is defamation of character and I can not financially take care of my family due to lack of funds and trust from lenders.

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 2017-10-04
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:
Beginning XXXX XXXX, XXXX, Any public record data must include name, address as well as ssn # and d.o.b in order to appear on your credit file. The credit bureau has not updated the information and per the new law the Bankruptcies listed on my credit reports does not meet the standards. None of the required information shows listed and the Bankruptcies should be deleted from my 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 2019-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
The below complaint was marked as duplicate to avoid addressing it.. Complaint was filed as per advice from my attorney..Please see below.. As explained in numerous prior CFPB complaints, a close out check was intercepted by a third party while I was away on vacation, the amount of check, {$4200.00}, is remaining balance in account ending in XXXX, now closed by Capital One security intake team. A prior check for same amount had a stop payment placed on it prematurely by a rep with Capital One, sent on XX/XX/2018, received and deposited on XX/XX/XXXX. I left for vacation the morning of XX/XX/2018 at XXXX XXXX, second check which was intercepted was sent via XXXX 2nd day, an email was received from XXXX showing a package sent from Capital One while I was away. I was in XXXX XXXX from XX/XX/2018 to XX/XX/2018. When I arrived home, the package was nowhere to be found, I later learned check was intercepted by third party, a XXXX XXXX whom does not live here currently. She is an ex-wife of a cousin whom lived here prior to me moving in, she did not have consent to sign my name and cash check. She was in the area visiting a neighbor in another apartment and intercepted package. I have not received funds. As per advice from my attorney representing me in legal matter pertaining to Capital One data breach, I was told to advise CFPB and OCC she did not have consent to sign my name to check. Furthermore, according to my attorney, I am still owed the funds as again, consent was not given to sign my name to check. I learned of her signing my name by a manager by the name of XXXX with Capital One leadership team, he informed me check was signed and cashed by this person at a XXXX XXXX XXXX  which I do not have an account. Capital One rep by the name of XXXX XXXX has attempted and failed implying the person, XXXX XXXX, is my mother and lives here. She is not my mother and does not live here. Further, it appears she also attempted to imply I somehow received funds, which I have not. This account, ending in XXXX, was opened as a result of data breach as well as two credit accounts. There is disagreement with a Capital One rep by the name of XXXX as to this fact. However, my attorney agrees as well as several others investigating data breach. I have attached copies of checks issued by Capital One, three in total. Signature is different on one which was intercepted, the other two are signed by myself, Capital One seems to ignore this fact, will not examine signatures. I request Capital One reissue check for funds owed, as per advice from my attorney. Complaints marked as duplicate when they are not will be resubmitted to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022

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 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I AM VERY UPSET OVER THIS ACCOUNT!!!! I HAVE NEVER BEEN LATE ON A INSTALLMENT ACCOUNT. EVERYTHING I HAVE IS ON AUTO PAY! PLEASE DELETE XXXX XXXX XXXX  # XXXX NEVER DONE BUSINESS WITH THEM UNKNOWN ACCOUNT JUST POPPED UP OUT OF NO WHERE????

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, a few records require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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