BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transition intentionally lied and sent me a letter in the mail saying they do not have a report for me when I called and indeed have a report and got a report number from the agent on the phone. I have attached they letter they sent me in the mail. 
They continue to cause me harm and suffering by reporting inaccurate information on my consumer report this information should have been deleted promptly, they are intentionally stalling and taking away my right to privacy and causing serious harm and injury to me. Do what is right and lawful by blocking and removing this information from my report. 

According to 1681c-2 ( e ) this information should be deleted and block within 4 business days upon receipt of the consumers, proof of identity, identity theft report, a statement from the consumer and the identifying information to be reported.

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 2019-12-16
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Pentagon Federal Credit Union ( PenFed ) is attempting to collect a debt that was previously included in a Bankruptcy, paid according to the plan and discharged. They filed a lien my on my property and never released the lien which is preventing me from refinancing my home. PenFed told me that I owe them money and that the loan was a 'charge-off. ' They will not release the loan until I pay them. 

The bankruptcy was case XXXX discharged on XX/XX/XXXX. In XXXX of XXXX I took a loan from PenFed in the amount of {$60000.00} as a home line of equity. The court order the strip of the second lien and the claim allowed ( per the included Trustees final report included in this letter ) was {$55000.00}. It was paid and discharged. I have applied for a home refinance of my current mortgage. The title company told me that PenFed did not file a Certificate of Completion with the county to get this loan/lean released off of my property so that I can refinance. I contacted PenFed on XX/XX/XXXX and spoke to a XXXX, a XXXX XXXX, and was told that the loan was a charge off and that I owed a debt and needed to pay it. I informed them that the loan had been included and discharged by the Court. I sent them the discharge notification, the order to strip the second loan, the discharge notification and even the trustees final report and account! PenFed is not removing the lien until it collects the discharged debt. PenFed also told me that I currently owe them money for a vehicle loan ( I eventually got the title and the vehicle has been sold years ago ). PenFed is labeling the discharged debts as charge-offs. I previously had to file a complaint with the CFPB to get this resolved. If PenFed does not remove the lean on my home, I can not refinance my home. I will lose my locked in interest rate ( 3.34 % ). The refinance would save me approximately {$800.00} per month. 

PenFeds XXXX XXXX told me that only a XXXX XXXX could handle my case. No supervisor was available to speak with me. XXXX XXXX was the person who would not correct the prior attempts to collect discharged debt previously. PenFed will not allow me to speak to Mr. XXXX. His email is XXXX and the collections main phone number is XXXX lease assist in this matter as soon as possible. I have attached the following : 1 ) Trustee final report and account, 2 ) Discharge Notification, 3 ) order to strip second lien, 4 ) Deed of Trust recording the PenFed loan with the XXXX County Court, and 5 ) email to PenFed and XXXX XXXX of PenFed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX of XXXX, it was reported that I opened an account with Capital One and had a credit card with a limit of {$500.00}. In XXXX of XXXX, it was reported that I made payments on time for the credit card. That would be impossible because I was unemployed from XX/XX/XXXX, to XX/XX/XXXX. There is no way I would've been able to spend over {$700.00} when I was unemployed. My credit report also states that the account was eventually closed and charged off, and that I owe a balance of {$700.00}, which is 140 % over the limit. I believe this is a case of fraud and identity theft. I have never applied for any credit cards, nor have I opened any accounts with Capital One. I couldn't even get a card with that high of limit even if I wanted to. I only have one credit card in my name through XXXX bank, and it is a credit builder card with no limit. It's for people like me without established credit and can't apply for credit cards with high limits. I have attempted to dispute this case through credit bureaus multiple times in the last 2 months, but the issue was never resolved. I didn't realize until recently that it's most likely identity theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Persolve, LLC - Legal - Series 2
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: Investigation took more than 30 days

Complaint:
XXXX XXXX I mailed a certified dispute letter to PERSOLVE LEGAL GROUP and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX on XXXX  they also have over XXXX complaints with the CFPB. The PERSOLVE LEGAL GROUP failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money over to to XXXX XXXX for a lease exchange. I was to sublet an apartment and sent over {$1600.00} for security for the apartment. This was broken up into two separate payments sent to him through XXXX via my Bank of America account. 
XX/XX/XXXX - {$820.00} XX/XX/XXXX - {$820.00} The sublease turned out to be unauthorized, XXXX XXXX owed back rent and was specifically told he was not allowed to sublet the apartment. After contacting XXXX to send my money back and that I was aware of his scam I was blocked everywhere from contacting him. Immediately after finding out this was the case I contacted Bank XXXXf America on XX/XX/XXXX to see what could be down to get my money refunded to me. I was told that of course they would be able to help since I was a victim of fraud but the XXXX team was unavailable on the weekend so to please call back on Monday. I called back on Monday XX/XX/XXXX and spoke with two different people at Bank of America who told me two vastly different things. One told me they would be able to fill out a scam report and file a complaint with XXXX in order to try to get funds back to me on their end and that I should file a complaint with the Internet Complaint Center which I did. Another told me there was not anything that could be done since I authorized the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You are In Direct Violation of The Falr Credit Roporting Act ( Account Name & Number #, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 16668 : A croditor may not treat a payment on a credit card account under an open-end consumer credit pian as late for any purpose. 
Remove these late payment and update this account, update this payment to current or on time Immediately as you are In Direct violation of several laws under The Falr Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, XXXX forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion ) via USPS XXXX mail with XXXX receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : XXXX XXXX, INQUIRY DATE XX/XX/2021

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 2017-07-12
Company: Experian Information Solutions 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 have been smart rate shopping for a mortgage which has damaged my fico score. I requested in writing that some of the hard pulls be removed.

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: SC
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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across thislaw today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/blockany items not later than 4 business days. Ive already included this in my previous complaint & I am including itagain., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX  charged my card twice without my authorization, first charge XXXX and XXXX..i have disputed this with capital one and they credit my credit card and then 90 days they re billed me for the same charges, i told them over and over that i did not authorize this charge and they refuse to credit my credit ... .this is unethical ... .i did not authorize the charge, and i did not receive any merchandise as well ... i want those charges refunded back to my credit card ... they sent me a bill from XXXX and the bill did not have my name on it and did not have my address on that bill, so i do not know why they refused to adjust my account correctly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: Coinbase, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Purchased a Coinbase Gift card for deposit into my Coinbase account. 
Coinbase verifies that the gift card is valid in the amount of {$250.00} but will not deposit it into the account, just providing an error. This has been happening since XX/XX/2023. 
Opened numerous tickets with them which they do not respond to. 
As you can see in the attached picture, I have emailed them 22 times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-05
Company: ALLY FINANCIAL INC.
State: NJ
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:
Ally has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you 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 2023-08-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In accordance to the Fair Credit Reporting Act. The lists of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 states Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I sold my RV to XXXX XXXX  XXXX for {$48000.00} in last XXXX, and put the check into Bank of America ATM in XXXX. I accidentally use a wrong credit card which was closed by the bank. after I got home I noticed that and then I call Bank of America about the issue, an agent told me that she will transfer the money to my checking account and it will take 10 business days. After 10 days I didn't receive the money, I call the bank again and an agent said it will take more 10 days bc the credit card I used was closed. I wait more 10 days but no money received. I called more time that an agent said the money was sent back to XXXX XXXX, I call XXXX XXXX XXXX store where I sold my RV, and they said no check was returned and the check has been cash out! I was shocked and called the bank again, and an agent said she will send the check to me, and I wait for around 20 days, never happened! Finally I got a letter from the bank, it said the check was sent to a checking account, and I checked the account number, it is not my account number. later on I got a call from XXXX XXXX XXXX store, they finally found the check in XXXX XXXX XXXX store!!! Bank of America has done a horrible job. I called them over XXXX times to ask where is my money and every time I got different answer. Bank of America sent my {$48000.00} back the PAYER and not even give me a notification!!! Those money is our all saving. During the 2 months we have no money in our account, and we have to borrow money from several people and paid them interests to keep our life going! I filled a complain against bank of America, and I demand a 10 % interest for the total amount of my saving. A bank of America agent gave me a call. He was very ruled, and he blames me to send the money to a wrong credit card. and rejected my demand. and closed my phone when I was talking to him. later on I sent him a email to ask phone record but he no response.

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 2022-10-18
Company: EQUIFAX, INC.
State: LA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation