BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
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:
Notice for Proof of Claim Account : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX To Whom it XXXX Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

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 2022-09-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at XXXX blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. XXXX is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.

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 2017-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Accounts that should have been removed due to age. Accounts have been allowed to stay even though they are old. Company refuses to investigate this issue. They no longer seem to address the age of the account, but the last reporting date instead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The credit inquiries from XXXX XXXX on XX/XX/2021 and XX/XX/2021 were supposed to be soft inquiries. I did not apply for a mortgage, Nor do I have a mortgage on my credit report. 

The credit inquiry from XXXX XXXX XXXX XXXX to be a soft inquiry. I do not have a credit account with XXXX nor XXXX on my credit 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 non-monetary relief
Consumer complaint received 2022-09-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wrote Wakefield and Associates on XXXX XXXX, 2022 to receive verification of a debt, which I didn't receive instead they put a collection on my credit report. XXXX Wakefield and Associates website this is a violation of my consumer rights and I would like to request this debt be removed from my credit report immediately. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX 2017 at XXXX Eastern I cashed out my bitcoin wallet from Coinbase.com. I received confirmation XXXX. It has been 13 days and I still have not had the money deposited into my bank account. Additionally, I have sent them two messages following up on this and have not gotten any response. This company seems to be scamming me and the least they could do is respond and let me know where my money is. It only took 1 day for them to get my money, it should n't take this long to give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updated as soon as possible. I have not nor authorized the receipt or distribution of any goods and/ or materials under my name. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting an updated copy of my report and all pertinent information regarding this matter. 

The fraudulent accounts are as follows : 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 2020-11-06
Company: BMW Financial Services NA, LLC
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: Account information incorrect

Complaint:
I was a victim of a crime and submitted a few times the letter from the district attorney and restitution order from the court. BMW has charged off these amounts and closed these accounts. I got an alert from XXXX  that there was changes to my credit report. They were contacted by me in response to a letter I just got where by I had asked for the 1099-C 's for both the accounts and was told I would get them if they could not collect. It is almost two years and no they a n't collect and are aware of it. They need to send the 1099-C 's and XXXX  out the accounts. Instead of doing this they are now reporting late payments well after these accounts were closed well over a year ago and should not be reported as currently late, As a charge off they get paid from insurance and of course, the cars were either resold or re-leased. I will attach the two letters saying I would get a 1099-C and yet they are not responding to this request so that they can keep a past due balance on the account and now are even reporting late payments ona closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I am XXXX XXXX. Usaa members # XXXX the reason for me emailing you is to see why USAA savings bank blocked me from all usaa products when I sent in all the information that was asked of me back in 2016 when my account # XXXX was hit with fraud activities. And now after three years, the bank is finally sending me back part of my money that they now see that I didn't commit any fraud?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: OR
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:
Dear Experian, This is not the first time we've had an incident regarding my personal credit report. Unfortunately, for months you have ignored complaints that XXXX was reporting incorrect information on my credit report. 

I am demanding verification under FCRA, and since I know you can not produce the following, I demand you remove XXXX XXXX from my credit report. 

This card was closed and never in arrears. 

Open Date Charge off Date ( Never Charged Off ) Payment History Borrower Names Balance Are all incorrect on my credit report. Therefore this item needs to be removed. 

Sincerely, 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 explanation
Consumer complaint received 2017-06-08
Company: POPULAR BANK
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Two different companies have scammed me out of {$3200.00}. The first companies name is consumer Eloan, the second is  XXXX . I paid {$2200.00} to consumer eloan to receive a {$2000.00} loan. This was through   XXXX   XXXX  . I paid {$950.00} to   XXXX   XXXX   in form of   XXXX   gift cards. Both companies kept asking for more money for the loans to go through. This is when I realized I was being scammed. The loan from consumer eloans started  XX/XX/XXXX -17 and the loan from   XXXX   XXXX   started  XX/XX/XXXX 17.

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 2017-06-08
Company: LOBEL FINANCIAL CORPORATION
State: CO
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:
Credit report show s three late p ayments of which did not appear on my credit report until after the vehicle was refinanced through a different company even though it was not showing on my credit report even when the vehicle was still under finance with Lobel financial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSWORLD SYSTEMS INC
State: MS
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:
I WOULD CALL CUSTOMER SERVICE THEY ADVISED THE PAYMENT MADE WAS OK I LATER RECEIVE A LETTER FROM COLLECTION AGENCY SAYING THEY WAS IN CHARGE OF THE ACCOUNT YET I LOGGED INTO MY ACCOUNT AND SCHEDULED THE PAYMENT AS AGREED BY THE AGENT I CAN NOT PAY THE CREDIT CARD COMPANY AND THE COLLECTION AGENCY AT THE SAME TIME FOR THE SAME ACCOUNT THIS IS TRULY AN ERROR IF THEY ARE DOING THIS TO ME THEY ARE DOING THIS TO MANY OTHER CARD HOLDERS MAKING ERRORS ON THEIR ACCOUNT AND SENDING THE ACCOUNT TO AN AGENCY AND STILL HAVE THE ACCOUNT OPEN RECEIVING MONEY NOR ADVISING THE CUSTOMER THAT THE ACCOUNT IS CLOSED OR IS GOING TO CLOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: MoneyLion Inc.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I was charged XXXX for a room on XXXX. I received an email about the room I just booked, but I hadnt booked a room. I had stayed In This hotel the night before and paid XXXX for that room. I contacted XXXX and told them it was not me and explained the situation and they said we have no contingencies in place and can not cancel so I called money. They disputed it and then denied it twice, once because of a transfer made before the transaction, and Im not sure why the other time. I did not book this room, I had just gotten back to my home when I got the email. I am so tired of filing complaints.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I used to have a credit card for Nordstrom 's. A store I used to love. The card is issued through TD BANK. I lost my card on a flight, or at the airport, then my card was used in XXXX XXXX, Ca. I do not live in California and do not jump states to shop. I advised Nordstrom 's credit department of the fraud and they began a dispute. Initially, the dispute was resolved in my favor, as it should be. At the last minute, the decision was reversed and I was told I was the person who made the purchases. I know I did not. I was told that someone XXXX who looked like the person on my DL was in the store. I was not only offended, but this was right before the United States began to really face and evaluate the racism that companies, schools, and government institutions benefit from in a systemically XXXX world. At the time I was appalled, offended, and embarrassed that I was, in this decade being told that all XXXX people look alike essentially. I was told this by a customer service or disputes manager after I asked to be escalated because the original representative tasked to help me come off as rude, defensive, and honestly treated me like a criminal. I was hurt and now this balance, a balance I did not charge is not only in collections, but it is ruining my life. I not only experienced terrible customer service but to treated in a way that made me feel inferior was and is unacceptable. TD BANK and Nordstroms decided to send this balance to collections, it is not at a 3rd part company that harasses me and has reported on my credit. I am not a giant company, but at this point, it is me against them. I offered to file a police report at the time, and the manager basically laughed me off the phone. I said I could easily contact the local XXXX police to file one because I know for 100 % fact that I did not make the charges they accused me of. This has been very difficult for me and has caused me enough mental distress. I really need this conapny to step up and in and do what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i disputed with the credit bureau as well as with the creditor and the credit bureau responded with a letter stating the accounts was verified. I counter responded back asking for proof of verification and validation. No other response has been giving nor any documentation. I 'm assuming that there verification was someone looking at a computer and saying this is my account which is unacceptable. It has now been well over XXXX days and the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
I reached out to Experian to explain theyre reporting inaccurate information. The accounts do not belong to me so please remove them and they came back to say the accounts are verified in less than 24 hours. I provided proof that I was born in the year XXXX so it is not possible for the accounts to be mine because I was around 14 years old when the accounts were established. I atttached my license, voter registration card, diploma, and a picture of me holding my high school diploma on XX/XX/XXXX but they refused to remove this inaccurate information. Please help 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 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
has contacted company several times and customer service would not help and take care of the negative inquiries reporting to your credit report. customer service is always rude and not helpful. 

XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX :XXXX XXXX XXXX XXXX XXXX via XXXX 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 explanation
Consumer complaint received 2022-09-01
Company: Caliber Home Loans, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022. Caliber home loans send me a letter stating that Im late with my mortgage payment and they will send it to a debt collector if I dont take any steps to pay. This mortgage payment is set up automatically every month. Getting this letter trigger me to send another payment. The result of this additional payment, I got charged by my bank with overdraft fees. 
Tried reaching, first on I called the following day after the mail was sent. Called again the following week try to speak to a Manager to get some answers but until today XX/XX/2022 no one has tried to reach 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 2017-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The Bank of America cleared a deposited check and I drew against it. At XXXX XX/XX/XXXX they paid a transaction for {$1000.00}. At XX/XX/XXXX they paid another transaction for {$24.00}. At about XX/XX/XXXX they declined a transaction and debited my account for the amount of the check. They say that even though they cleared the check, I am responsible for the bad check amount. In other words, they want it both ways. This is the absolutely worst bank practice, that penalizes the little guy for THEIR mistake. 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 monetary relief
Consumer complaint received 2017-04-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I do not know what this about and what it is for? I have no idea and I would like it removed from my credit. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Lender did not provide sufficient reasoning for the denial for a Amazon Prime Rewards Visa Signature Card. Have 800+ credit score with no delinquencies. All verification and supplemental documents were submitted. I feel that I have been discriminated against by the lending office, as the experience was completely different while at the local branch. The creditor CHASE JPMC is in violation of ECOA 1002.9, for denial reasons other than incompleteness and vague in its statement, as the denial notice does not contain specific reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased some pots and pans for a friend for XXXX, they did not want them so I returned them for a return. XXXX kept telling me I needed to wait for it as it already shows that it was delivered to them. I returned the item XX/XX/XXXX on a Tuesday and they got the return on the XXXX of XXXX and it shows delivered. It even says return received on the website and I still havent received my refund. I have uploaded proof of tracking and all of this and it still says that the transactions was found valid. This was very expensive and Im extremely upset that this company doesnt look at the uploaded documents you provide for these disputes.

Company response to consumer: Closed with non-monetary relief