BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted Numerous disputes regarding my credit report. None have been investigated. Please Advise.

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: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate the is a bankruptcy that is not accurate on my file. I have the release documentation for all the Liens listed on my credit report. 1. Lien # XXXX 2. Lien # XXXX 3. Lien # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Company name : Coinbase, website : https : //www.coinbase.com I made a transaction in coinbase. During the registration, it asked me for last 4 digit of social security number and my residence information, I provided all the information. 

I was able to made transaction on ( XX/XX/XXXX ) and, it was promised to me that XXXX ( cryptocurrency ) will be available with in a week ( XX/XX/XXXX ). 

when XXXX ( cryptocurrency ) was increased from {$100.00} to {$300.00}, company told me that they can not transfer the XXXX. 

It is a loss to me, if they denied me during the transaction itself I could go for to other exchange. 

I did the transaction of {$2100.00}, my account was showing the limit of {$3500.00}, so it was with in the limit. limit couldbe increase if I upload my id. during the transaction they did n't ask me to upload my ID for this amount of transaction. 

Please check the attchements

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
On XX/XX/2019 I experienced hardship due to the XXXX shut down that had taken place. I called into Capital one and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called the collection agency several times informing that they are reporting the wrong amount. My credit originated with XXXX XXXX XXXX   they have charged off account with XXXX however, LVNV is fraudulent reporting XXXX I have Dispute this charge with XXXX XXXX, XXXX, XXXX and they concluded an investigation and updated my files with the same XXXX disputed. LVNV is conducting an investigation of there own however no update has been posted,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
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: Public record information inaccurate

Complaint:
Requested credit report and bankruptcy information was on there. The case never happened so I contacted the credit bureaus and asked that the information be removed but they said that they could not do it but the courts reported this to them. I contacted the courts and they said they don't report to credit bureaus but that the credit bureaus use some sort of search that flags them whenever there is some court activity and the credit bureaus pay to use this site so they have no control over what they report or getting removed. I want the information removed from my credit reports since the bankruptcy never 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 explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions 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:
To whom it may concern : XXXX XXXX XXXX XXXX has fail to respond to an CFPB complaint about accounts ( AccountS # XXXX ; XXXX ) I'm disputing, for failure to respond under the time frame the law provide these accounts must be removed from my credit file immediately for violation to the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
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: Investigation took more than 30 days

Complaint:
The payment for the loan payoff to XXXX was sent before the due date and I contacted them advising them that the lender sent the payoff to them. I got an email a week after the due date stating the loan was paid in full and XXXX still reported my loan late 2 weeks later from the email they sent me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Global Lending Services LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a Chevrolet Cruze LT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX ( XXXX ) XXXX on XX/XX/XXXX ( my credit score was XXXX ). They directed me to Global Lending Services for the loan ( I had previously been with XXXX XXXX@4.9 % ). Since the purchase, I have had nothing but trouble. I had to cancel a {$1500.00} ( extra ) warranty that the dealership had told me I should buy. My last statement shows a repossession fee of {$100.00} added to my bill ( my car has not been repossessed ). In XX/XX/XXXX I made a payment of {$XXXX} payment to catch up ; however, I requested a payment history summary from Global, and, the payment history shows I was credited with paying only {$XXXX}. At the beginning of the loan the pay-off was {$XXXX}. During the past year, I have made over {$7000.00} in payments, but my pay-off is still well over {$20000.00}. Global refuses to allow me to change my payment due date ( I have requested a new due date XXXX to help me make my payments on time ). I need help from somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Last summer in XXXX ( I dont have the exact day ) I made a payment of roughly {$800.00} to Navy Federal for my credit card which was intended to bring the card current after being behind on payments. The money was available in my account and the payment was confirmed, then it was returned back to my Navy federal checking account. Because the payment was sent back, it did not register my account as current anymore. In the subsequent months, the card continued to accrue late months and the card was closed. I was unaware of the card closure until XXXX  when I checked my credit report. I stopped making payments again because I didnt know what to do when a card is closed. I was under the assumption that I could no longer make payments on the card. Ive called numerous times about having the card reinstated as it was an error that led to the closure. Ive also asked if at the very least, navy would remove the late payments, but Im always advised that navy does not do this although Ive seen them do it for others. Im currently under some type of repayment assistance and paying down the balance, but because the card was closed, I can not use it. Theyve also reported the cards {$10000.00} limit to the credit bureau so it is registering as I have XXXX available credit for this XXXX card but over XXXX in debt so my utilization has increased to 900 % and my score has taken a XXXX point hit. Ive sent a certified letter to them in regards to the late payments at the very least & requested for my card to be reinstated numerous times over the past year since the late payments are due to some sort of system generated error after payment processing. I am 100 % sure the funds to make the payment were available in the account and the reason for closure was the late payment that eventually led to the account being past due XXXX days. Ive inquired about reinstatement numerous times but Im always told Navy doesnt reinstate cards unless it was their error. This is an instance where it was their error. Either way, I have to pay the balance down, but with late fees, interest and the original principle usage, it will take time to pay it down. My credit score is in shambles because of what the closure did to my utilization. Navy has been an amazing bank to me and I want to mend this but this credit card mix up has taken quite the toll on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, 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:
Submitted a loan forbearance in XX/XX/XXXX due to hurricane Ian and Nicole. During the months of XXXX and XXXX our credit report showed late. I called in XXXX and was advised it would be adjusted. XXXX was marked paid, XXXX was reporting late again. XXXX I called again, they said they would fix the problem. Again, fixed and then immediately report late for the following month. Removed forbearance in XXXX of XXXX. Spoke to customer service who advised me that it would take 2 weeks to review the file and we will be notified if the payments are added to the end of the loan. Come XXXX we still see no change to the balance owed, called multiple times with all different answers. Finally advised I need to fill out the loan modification documents. Completed that on XX/XX/XXXX. After multiple requests for our forbearance and for credit report to be fixed, neither have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
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:
" " '' I have disputed this charge off on thisXXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Consumer Adjustment Company Incorporated
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back In 2020, my vehicle was stolen at XXXX XXXX. Inside of my vehicle there was alot of paperwork with all my information that was stolen from vehicle. I have no knowledge of this account and it is identity theft. I have requested for this account to be removed from my account on several occasions but the creditor is refusing to remove it even though they have to evidence to prove that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. This is uncalled for and you are taking advantage of me during a time of Covid. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
The payment for the loan payoff to Ally was sent before the due date and I contacted them advising them that the lender sent the payoff to them. I got an email a week after the due date stating the loan was paid in full and Ally still reported my loan late 2 weeks later from the email they sent me.

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 2020-10-23
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:
To whom it may concern : XXXX XXXX XXXX XXXX has fail to respond to an CFPB complaint about accounts ( AccountS # XXXX ; XXXX ) I'm disputing, for failure to respond under the time frame the law provide these accounts must be removed from my credit file immediately for violation to the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX
These inquiries were unauthorized done fraudulently without consent.

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 2023-01-07
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: Old information reappears or never goes away

Complaint:
The XXXX XXXX XXXX XXXX is posting XXXX charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the XXXX XXXX XXXX XXXX has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The XXXX XXXX XXXX XXXX  is also reporting and still saying I owe them this money. Block and remove all accounts from the XXXX XXXX XXXX XXXX which are reporting on my consumer report. XXXX XXXX XXXX XXXX XXXX Acct Ending in # XXXX XXXX XXXX XXXX XXXX  - Accts Ending in # XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Under the FCRA the finance charge should be in every consumer credit transaction. 

Under the FCRA the definition of a finance of charge is the sum of all charges. 
12 CFR 226.4 Definition of a Finance Charge Insurance should have been included in this transaction. If it did default, then it was supposed to be handled. 

Anything you are trying to charge outside of that, a finance charge does not include cash. This is considered to be fraud. 

There is no law that defines that defines what a charge of is. If it was charged off, please what law you used to define it.

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 2020-02-18
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage processor ( Shellpoint ) is escrowing for taxes and insurance. They missed a tax payment, and I contacted them today. They told me they acknowledge a payment was due but they did not pay it. They did not offer an explanation or a path to resolution. XXXX is contacting me for delinquent tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX They called my work told the customer service rep. I needed to be served with a legal notice and then they asked for my boss XX/XX/XXXX they called again gave the csr XXXX all the info to contact me told her it was to serve me a legal notice now everyone st work knows my business. 

The old credit card account was closed in XXXX I believe the statue of limitations has expired on this account.

Company response to consumer: Closed with explanation