BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2020-09-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Second Round Limited Partnership, Austin, TX Branch
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Second Round Sub LLC contacted me in XX/XX/XXXX about a debt. On XX/XX/XXXX, within the 30 days I had to request validation of said debt, I sent a validation letter. I had received nothing in return until XX/XX/XXXX when I received notice of being sued by the company 's attorney. According to FDCPA they are in violation by trying to collect on a debt they never validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied online for a new mortgage. I was rejected online. I called USAA Which Said my median Credit score was below 620. 

I asked why use the median score rather than the average. The financial institution says it is ok. I argued it is mathematically and statistically wrong to use the median of three numbers. It just has no scientific basis. It is actually laughable that a financial institution would use a useless statistic to reject my application. No where in mathematics will you find that a median of three numbers has any significance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I disputed, with all credit reporting agencies, the information being reported by XXXX XXXX XXXX. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile. I never opened an account with XXXX. Under The Fair Credit Reporting Act, once an item has been removed it can not be re added. XXXX XXXX could never provide me with any documentation proving I agreed to this ridiculous debt. Even after I disputed with the CFPB, they still could not validate and agreed to remove and I have the letter so now why is it being added with different information. I never received any information or communication, as required by the Fair Credit Reporting Act, from XXXX XXXX, XXXX, XXXX or TransUnion that this account was being placed back on my credit.

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 2021-01-25
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 mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. Still received on response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realized due to the pandemic the system is slow but for a 30 day time limited investigation to take over 200 days and still no results to be mailed to be nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before this matter is escalated to the legal channels.

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 2021-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
*This is the second of two similar complaints that reference two completely different accounts. Both are CapitalOne QuickSilver cards. I have 2 CapitalOne Quicksilver Credit cards with an purchase APR of 22.99 % and a Cash Advance APR of 22.99 %. The Cash Advance includes direct fee at time of disbursal. The APR on a Cash Advance is also accrued daily versus the purchase APR which is done monthly. After paying the minimum amount due on the card, any monies in excess of that minimum should then be applied to the highest APR on the account. Again, in my case both are numerically the same. But the balance on the Cash Advance is charged direct fees to use plus the interest is accrued daily. If I made {$100.00} in purchases the same day I took out a cash advance of {$100.00}, by the end of the billing cycle if all was the same, the Cash Advance would have higher balance. The representatives at CapitalOne stated that only the actual numeric value of the APR matters, not anything else. This has allowed the bank to charge me much more money then if they had applied my payments correctly. Perhaps this is a direct tactic to get around the federal law in some sense. CapitalOne also bill the two balances on different dates as far as interest accrual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX : Account opened XX/XX/XXXX : First missed payment on account XXXX XXXX XXXX XXXX Further missed payment XX/XX/XXXX : I first noticed the fraudulent activity and delinquency of the account via XXXX XXXX XX/XX/XXXX : I filed a dispute with Equifax XX/XX/XXXX : Dispute completed by Equifax, reported that the account was not fraudulent which is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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:
Lakeview Loan Servicing , LLC has granted covid relief and granted deferments. During this time frame they have also reported lates to the credit reporting agencies. I have made several disputes and this remains unchanged. If the business has agreed to offer extensions and no minimum payment is due, why are they reporting lates? I have 3 letters stating that during this time no payment is due.

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 2020-09-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I took a payment deferral from our Wells Fargo mortgage for 6 months under the CARES ACT which ended this XXXX and payments to be resumed in XXXX. We applied for a refinance in XXXX with a different company and was told we needed to have the loan modified and be out of forbearance before proceeding. I called to request this from Wells Fargo on XX/XX/2020 but was told we needed to make 3 payments before loan modification could be requested but that we could pay them all 3 in  full and it could be done sooner and she would send papers which we never got. I then decided to call on XX/XX/2020 to speak with a supervisor who told me that we needed to make the 3 payments on time and they can not be all at once and then we can request a loan modification in XXXX. She said these were the VA requirements not theirs. I then called XX/XX/2020 and asked if we could resume payments early, in XXXX to have the 3 months starting earlier as I was now able to resume payments but was told that the payment would go to XXXX. I then filed a case with Executive Offices and requested these VA requirements be written and sent via e-mail as I have been told by someone with great experience with mortgages and with Wells Fargo practices, that these requirements should be given to me in writing and that they believe Wells Fargo is giving me false information. I would like Wells Fargo practices to be investigated in this matter.

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 2021-02-01
Company: AMERISAVE MORTGAGE CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
THE CLOSING ATTORNEY DID NOT SEND THE COMPLETE PAYOFF ON MY FIRST LOAN, AND NOW I HAVE TWO LOANS TO PAY as the first one is still open and short of funds to terminate it ... ( this was a refi ) THEY WILL NOT ANSWER MY CALLS ( amerisave ) OR FIX THIS ... THE CLoSING ATTORNEY XXXX XXXX XXXX XXXX ) TOLD MY MORTGAGE COMPANY THEY WOULD SEND THE CORRECTED AMOUNT TWO WEEKS AGO ... XXXX XXXX XXXX FORMER MORTGAGE COMPANY ) NEVER RECD THE FUNDS ... TODAY I WAS ON HOLD 43 MINUTES AND THEN THE CLOSING ATTORNEY ( FIRST XXXX XXXX XXXX ) HUNG UP ON ME NO ONE IS RESPONDING ... THIS IS OVER A MONTH AND THIS COULD RUIN MY CREDIT ... THE PAYOFF WAS SHORTED AND I DO NOT KNOW WHYTHEY DID THAT ... WHAT I SENT THEM WAS CORRECT AS A PAYOFF, THEY PAID 2K LESS THAN WHAT WAS DUE THIS WHOLE EXPERIENCE WITH AMERISAVE HAS BEEN A NOGHTMARE RIGHT FROM THE START EVERYTHNING IS ELECTRONIC BUT THEY DONT ANSWER THE PHONE TO CLEAR UP ISSUES SO YOUR LEFT IN THE DARK OVER MOST THINGS ... NOW THIS, AND I DONT HAVE ENOUGH TO PAY TWO MORTGAGES AND IF I DONT MY CREDIT WILL BE RUINED I AM A SINGLE SENIOR XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CBC Companies, Inc.
State: AZ
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 checked my credit report and noticed a few different inquiries I didnt give authorization to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: Factor Trust
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE TRIED FOR THE BETTER PART OF THE LAST YEAR TO PLACE A FREEZE ON MY CONSUMER REPORT FROM FACTOR TRUST. FACTOR TRUST HAS MADE IT INCREASINGLY DIFFICULT TO PLACE A FREEZE. WHEN I ATTEMPT TO PLACE THE FREEZE ONLINE I AM TOLD THAT THERE IS NO ACCOUNT WITH MY INFORMATION IN THEIR SYSTEM. I HAVE CALLED AND SPOKEN WITH REPRESENTATIVES AS WELL AS MANAGERS AND WAS TOLD THIS WOULD BE ESCALATED AND STILL NOTHING. THE COMPANY TELLS ME THE REASON THAT I CAN NOT PLACE THE FREEZE IS DUE TO THEM NOT HAVING MY ADDRESS OR BIRTHDATE ON FILE. THE COMPANY IS FURNISHING INFORMATION ABOUT ME TO XXXX CREDIT REPORT YET THEY DO NOT HAVE FULL AND COMPLETE INFORMATION. THIS HAS SEVERELY HURT ME AS I HAVE ATTEMPTED TO CORRECT ERRORS ON MY XXXX CREDIT REPORT. IT HAS CAUSED DENIALS ON MY AUTO LOANS AND HAS CAUSED SEVERE XXXX XXXX ALONG WITH SEVERE XXXX  AND XXXX. THIS IS AGAINST FCRA REGULATIONS AS WELL AS THEY ARE CONFRIMING THINGS ON MY XXXX XXXX WITHOUT HAVING SUFFICIENT INFORMATION TO VERIFY THAT ALL INFORMATION GIVEN IS ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: CBC Companies, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Over the past 6-9 months I have worked tirelessly on improving my credit score. Close to a year ago, my score was approximately XXXX. 99 % of my low score was due to previous health issues and not the best health insurance. Unfortunately I could not keep up with these bills. Today, according the direct websites of XXXX, XXXX XXXX XXXX, my scores are in the XXXX - XXXX range. I also have a FICO score of XXXX. Since XXXX I have tried 3 times to refinance my home. Every time I have been told that the credit score I see when I go to these websites is not the same as the information being given to lenders by two specific credit reporting agencies. I do not understand how as a consumer I am supposed to use platforms like XXXX XXXX XXXX XXXX to see if my credit score is where it needs to be to have the ability to refinance my home, then only to be told the information that is given to lenders does not match what I see in front of me. Every time I ask to have a lender look at my scores, this is considered a hard inquiry, and of course lowers my credit score. I understand there is a window given lenders, but if I go outside of it, it is considered a new inquiry. I am a single mom and work full time and do not have the time or ability to try and contact new lenders in a short period of time only to be told what I see in front of me, is not what the credit reporting agencies are telling the lenders. Even though, supposedly, they go to the same platforms I do, XXXX XXXX XXXX XXXX. The difference in what I see and what I am told the reporting agencies see is over XXXX points. To me, this is the difference between being considered for a loan and not. Attached are correspondence between myself and a lender. Image 002 is what I was seeing on my end and image 003 is what the lender was seeing on his end. I accessed the XXXX Website and he accessed the credit reporting agency, both of these actions done within an hour of each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I bought bit coin through Coinbase and was filled way outside of the bid and ask. The ask was at {$18000.00} and I was filled at {$19000.00}. {$670.00} over the ask. It is impossible to contact the company. I tried calling their phone number I have been on hold for over 2 hours and no answer. When I 'm on their website and click on the link to contact by email, it does n't go to an email ; it goes to a chat window controlled by a bot and you can never reach a human or anything other option. 

Time of execution was XXXX XXXX on XX/XX/XXXX. Reference code XXXX Bought Bitcoin XXXX BTC @ {$19000.00} per BTC Reference code XXXX Payment Method USD Wallet  Fee {$1.00} Subtotal {$160.00} Total {$160.00} XX/XX/XXXX XXXX XXXX Completed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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 2021-04-05
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:
Good evening Someone use My Person Information With out my Authorization for the Amount of XXXX Which I took the Initiative to Pay. I do Have the Receipt that this fraudulent Accounts was Paid in Full. 
This Account Should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRUIST FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have a car loan with Regional Acceptance. My car was totaled and I have all these fees in excess of my outstanding loan. I have asked multiple times to get a breakdown of what the fees are and they just say interest and other fees. I need to know how much I am being charged daily for the extensions I have as well and they dont have an answer for that either. They are terrible. Worst company ever!

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 2018-10-29
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 multiple disputes to XXXX to advise the accounts listed are not mine. I have even provided a police report. The report has been damaged as I was in the direct path of Hurricane Michael but I sent what I had and they refuse to remove these accounts.

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