BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$940.00} DP OF EDUC XXXX Balance : {$0.00}

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 2017-04-11
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
We applied Home Equity Line of Credit with US Bank. Although they approved the loan, they enforced to withdraw from the line to pay off credit cards balance on the credit report and a auto lease account. We 've been arguing a lease is not a loan which has no interest. By withdrawing the fund from HELOC to pay a lease account, it actually increasing our payment w/ un-necessary interest and US Bank is the one earning the interest! As credit cards, by the time they approved, most of the credit cards have {$0.00} or less balance but US Bank still enforced to pay them and asked us to wait for credit card company refund us! And the worst, we can not figure out XXXX of XXXX accounts which believe they do n't belong to us. I asked them to hold that XXXX checks so I can pull the credit report to investigate! US Bank just said they ca n't hold the checks and need to mail out! What happened if these XXXX accounts are truly not belong to us? We have to pay for someone 's accounts? They can hold these funds in bank until further investigation before paying but bank do n't care about consumers problem because it shown in my credit report! ( we did n't know these XXXX account # until they 're ready to mail the checks out ) We agree to pay the interest of what we actually borrow but not on these unfair transactions with troubles! We signed to accept the terms are not because we agree, just because we need the funds ; but banks do n't consider consumers rights and conditions, only claims their own policy/regulation to enforced consumer to accept!

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 2022-07-20
Company: Bread Financial Holdings, Inc.
State: UT
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 made two payments through my banks bill pay one for {$1200.00} and one for {$300.00} to my XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/2022. Payment was made through XXXX XXXX XXXX XXXX. Comenity took my money but has not credited my account for the payments. I sent them receipts from my bank, proving that I made the payments. They refuse to remedy this, despite repeated emails. They put me on hold every time I call, then after XXXX minutes, I am disconnected. They have some lame excuse about a systems upgrade on their web page. I notice on social media they have been flooded with complaints. I cant even reach someone to close my account. Its infuriating! If theyre not going to post my payments, I want my money back!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Kinum collections called me at work to inform me of a debt that my spouse owes..Badgered me about my personal life and how I carry out my business, and commented on my character. XXXX XXXX also commented about a recent vacation that my wife went on, telling me that he has also been watching/stalking her XXXX page. 
I find this out of character and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did n't know about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.15 U. S. C 1681 section 602 A. States 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 a account without my written instructions

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 2022-07-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit reports, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identify theft item ( s ) resulting from the identity theft that should be blocked and deleted. 


XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete/block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX XXXX XXXX Sincerely , XXXX XXXX XXXX : XXXX DOB : XX/XX/1979

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 2023-08-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-07-20
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-17
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is in regards to the offer of a trial modification. Payments of {$1300.00} for 3 months starting XX/XX/XXXX through XX/XX/XXXX. I can not afford to pay this. On XX/XX/XXXX, I spoke with XXXX of the Relationship Manager Department. ID XXXX. The payment of {$1300.00} is unreasonable. I need a payment between the 25 % - 31 % range of {$750.00} to {$800.00} per month. This Streamline Modification does not work for me. XXXX XXXX XXXX, Relationship Manager called me on XX/XX/XXXX regarding the Modification Agreement. XXXX XXXX stated that the Interest Rate would remain the same at 4.125 %. The arrears would be put on the end of the loan, and there would be a balloon payment at the end. I explained to XXXX XXXX, that I could not afford this payment. XXXX XXXX also proposed a Down Payment of {$2600.00} then payments of {$1800.00} per month for 12 months to repay the arrears. This is totally unreasonable. I can not afford this Repayment Plan as proposed by Ocwen/XXXX XXXXXXXX XXXX. I spoke with XXXX XXXX of NACA, who is an advocate on my behalf with Ocwen. XXXX XXXX did not appear to see my stress with these proposals which were made by Ocwen and Representative XXXX XXXX. XXXX XXXXXXXX, Supervisor at NACA will visit with Ocwen on XX/XX/XXXX and will present my proposal to Ocwen. XXXX XXXXXXXX did not give advice that is helpful to me as my advocate. XXXX XXXX said she would call me after she speaks with Ocwen on my behalf. I need help from CFPB to assist me to keep my home, and assist me in getting a good interest fixed rate or leave the interest rate the same and lower the principle, and reduce my payments for the duration of the loan to {$750.00} per month Fixed. I have requested the name and address of the Investor/Investors who hold the loan, and have been denied this information. I am updating this request as of today 's date. Please send me the Investor/Investors address, name, telephone number who holds the mortgage for the captioned property. This is my second complaint filed against Ocwen Loan Servicing, LLC and the Investor/Investors who hold the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is 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 remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX JXXXX 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 non-monetary relief
Consumer complaint received 2017-04-13
Company: NATIONWIDE ACCEPTANCE LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Nationwide Cassel lending has not sent me a monthly statement for my vehicle loan. They are refusing to repo the vehicle and allow me to pay what is left. I have tried to settle on this account. My " high balance '' is {$19000.00} and I owe {$12000.00}. I offered to settle on the loan for {$6000.00} ( my employer has been trying to work with them ) they refused and wanted {$9000.00}. If is settle for the {$9000.00} then I am paying back more than what I borrowed. Also, the lender has told my employer " I would NEVER be able to pay this loan off even if I make the payments and catch up the loan '' I feel they do not want the vehicle because it is not worth at all what they charged me, they have no intentions in resolving the debt because they are loan sharks. They just want the interest. 
My employer has tried several ways to pay this debt, settle the debt and find a resolution. 
I do not feel this is legal, I just want to resolve this debt. Not be bullied and harassed into a high interest loan. 
Thank you, 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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX US DEPT . OF EDUCATIONXXXX n accordance with the Fair Credit Reporting act XXXX  Account ''US DEPT. OF EDUCATION/XXXX '', XXXX XXXX '' and has violated my rights.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions

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 2022-07-20
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
On XX/XX/22 Coinbase solicited my enrollment in their Coinbase XXXX service. The solicitation offered a 30 day trial period with a confirmation email that stated ( quoting ) : After your free trial ends, your subscription will automatically renew every month for XXXX On XX/XX/22 I noticed a {$29.00} charge from coinbase. I contacted their phone support and explained the situation, asked for a refund and told the agent I had canceled the service. The agent refused to issue the refund I offered to send a copy of the email stating there would be XXXX charge. However, they said that no refund would be considered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2022. A collection account was removed from my report and my score WENT UP XXXX points. XX/XX/2022, my score WENT DOWN XXXX points WITHOUT ANY CHANGE to my report. WHAT IS THE REASON FOR THE DECREASE?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX # XXXX XXXX XXXX, TX XXXX XX/XX/2012 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$940.00} DP OF EDUC XXXX Balance : {$0.00}

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 2017-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is in regards to an unauthorized transaction that occured on my Capital One Quicksilver card on XX/XX/2016 for {$440.00} under the merchant XXXX XXXX College. This charge was unauthorized and I absolutely do not know who made this charge. I informed Capital One the SAME DAY that this was an unauthorized charge on my account and a credit was placed. However, a few months later, I was rebilled for this amount again. I contacted Capital One 's Disputes department to inform them that this transaction for {$440.00} is 100 % unauthorized and under Capital One 's {$0.00} fraud liability, I was not liable to pay for this transaction. The representative refused to cooperate with me to remove this charge. I am now demanding that this charge of {$440.00} be removed from my account ASAP. I will most definitely not pay for a transaction that I did NOT approve of. Capital One 's {$0.00} fraud liability also guarantees that I am not liable for any fraudulent transactions. This {$440.00} is a fraudulent transaction and must be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: NV
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:
THERE ARE 2 INQUIRIES ON MY EQUIFAX REPORT THAT SHOULD NOT BE 1. XXXX XXXX  2. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: WA
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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2022-07-20
Company: Experian Information Solutions 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:
i had a loan with XXXX XXXX acct # XXXX in XXXX of XXXX  i caught XXXX, i was in XXXX  for XXXX months before comming home. i was home for another XXXX months. trying to recover. i didnt return to work till XXXX of XXXX i always made company aware of situation.i made arrangements for settlement on account ahich they agreed.but they reported negative marks on my report. according to cares actsigned XX/XX/2020. if furnisher makes accomdation because you were affected by covid 19 during covered period. that lender must report account as current to credit reporting agency, clearly this was not done

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