BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
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:
I have unauthorized accounts & inquires on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) any unauthorized items on my report must be removed if not 100 % accurate and verifiable. Please Remove this From my report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed

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 2022-10-13
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: Account information incorrect

Complaint:
I recently reviewed my credit report with all XXXX bureaus and they are currently reporting inaccurate information on my behalf and it is resulting in damages as Ive been denied for several credit cards and loans due to this billing error. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to US 15 USC 1681a ( 2 ) ( a ) ( i ) the term credit report does not include, subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report so you are in violation of my rights by furnishing this information on my credit report due to all transactions and experiences are NOT supposed to be included in my credit report. 

Also according to 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Lastly, according to 15 USC 1681s-2, ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

You must remove these items according to the FCRA laws listed above. I have never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, 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:
XXXX, Equifax, XXXX  has allowed XXXX XXXX to report open account on my credit profile although I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as ofXX/XX/XXXX and has also cost me -45 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hi, Second complaint the same day against the same company : Coinbase Inc. 

Coinbase just closed the currency trade for Ethereum and Litecoin. It is UNACCEPTABLE asthe market is NOT closed and crypto-currencies have very large and fast variations. The buys and sells of those two crypto-currencies are now XXXX for an unknown reason, my money is LOCKED and ca n't be sold when i decide it that can result easily to a LOSS OF MONEY. To disable functions can be understood, but to disable to possibility to SELL is a major fault that can result to very bad consequences of money loss. 

Coinbase Inc seems to be managed by kids or irresponsible persons those days, jeopardizing the funds of its customers. This is unacceptable for an authorized crypto-currency company in the US. 

I hope and trust the CFPB will know how to resolve this. This is an unacceptable manipulation of the market. Tiding money is a fraud. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : CAPITAL ONE  XXXX Balance : {$0.00} ; CAPITAL  ONE XXXX Balance : {$0.00} ; KOHLS/CAPONE XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: PA
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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS servicing has done nothing but give me the run around. I am the heir to my parents home which has a mortgage serviced by SPS. For two years they have done nothing but tell me to turn in paperwork that i have already sent in four times. I have sent a copy of my mothers will, her death certificate, as well as my fathers. I currently unemployed but have viable and sufficient work expected within two weeks. At one point after faxing the requested paperwork for the second time i was told that i was the successor in interest and they communicated with me openly. Several months later, I tried contacting the company again only to be told that i was NOT the successsor in interest and that i needed to send the same papers for the third time. I believe SPS is slow playing me to foreclose on the house intentionally. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 XXXX XXXX I received two letters, one from XXXX Bank and another from XXXX XXXX alerting me that an application for a credit card had been submitted but they were unable to process this application without speaking to me directly and verifying the information provided. I reached out to both banks and realized I had been a victim of identity theft. I contacted the credit bureaus and received copies of my credit report which listed inquiries made. The thief made well over XXXX inquiries on my behalf, all of which were never processed and were under review by the creditors- except one from Capital One. 

I received a letter in the mail dated XXXX XXXX, 2017 from Capital One, it is addressed to my current name stating, " We need to reach you because we think a credit card account may have been opened fraudulently ... '' My complaint is this, the thief is using my maiden name which by the way is misspelled, they are using a date of birth that is not correct, and they are using the wrong mailing address. How is it possible that every single bank/creditor was able to make sense of this fraud but yet Capital One still opened up an account. 

I reached out to Capital One and sure they were very pleasant to speak with and stated the account had been closed per our phone call but my problem is that it was opened to begin with. My personal information has been put out there and it is a scary feeling knowing someone is using it, what 's even scarier is that banks such as Capital One feel it is okay to open up an account when there are clear red flags. They suspected fraud and still moved forward with approving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any account which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. Here is the list of account that I wanted to remove. 
XXXX XXXX XXXX Balance : {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion continuously reports inaccurate information on my credit report, including a bankruptcy after requesting proof of validity and verification multiple times. 
I followed their processes and disputed this inaccurate information multiple dates including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX via certified letters and by following their disputing process online as well.

Transunion has no right to maintain information which the government has deemed nonexistent. Inaccurate information or case, civil or otherwise, which is dismissed and was not adjudicated.

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, XX/XX/XXXX is refusing to delete this information from 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 explanation
Consumer complaint received 2023-10-05
Company: CITIBANK, N.A.
State: GA
Product: Credit 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 bought an ounce of gold from XXXX for {$2000.00} but never received it. I called the usps to see what happened as the proof of delivery said it was delivered on XX/XX/2023 and signed for by me, but the signature was not mine and I did not receive any package. The XXXX apologized and acknowledged the signature was not mine when I complained but said it was the merchants responsibility to handle the matter as they were the ones who would have insured the package ( I am unsure if they did in fact insure the package ). I then called XXXX, who said the item was sold by a third party merchant, and that all they could do was contact them and have them respond to me, and that I should dispute the charge with my credit card company. The third party merchant, XXXX, responded and apologized for the issue but since the XXXX tracking had the package as delivered they would have to investigate it. They requested I file a police report, which I did, and said they would respond when they complete their investigation. I have contacted them several times since and have received the same response, that they are still investigating the issue. Since I made the purchase with my Citi bank Best Buy Visa card, I contacted Citi bank to dispute the charge on the grounds I never received my purchase. Initially they sided with me on the issue after I provided documentation, but subsequently changed their decision and put the charge back on my card. I reopened the dispute and am still waiting for a 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 2019-10-31
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Since we moved into our home almost 4 years ago, our mortgage company has sold our account to another company at least three times. Every time they transferred our account a letter was sent to our home letting us know that we would have 60 days to make a payment, which would give us 30 days free of payment. This process worked fine the first two times, so when the 3rd transfer came, and we did the same thing again, this company decided that we were behind on our mortgage, and started charging us late fees, even though we started paying as normal after the 60 days were over, and this tarnished our credit. We had no idea this was even happening until we pulled our credit scores about 5-6 months later. The company never made any attempt to let us know that they considered us behind, and when we reached out to them, they said that their personal policy trumped the law in place that stated we would receive this grace period. In order to remedy this, they required we pay a double mortgage that month. Again, no attempt was ever made by Shellpoint to let us know they considered us behind. This company also raised our interest rate 2 %, and the VA loan rules state that no company can increase our interest rates by more  than 1 % per year, and this company has exceeded that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
Charged on XX/XX/XXXX for service to be performend on XX/XX/XXXX for XXXX on my Chase card. Company XXXX XXXX or XXXX XXXX who charged it has a penalty-free cancellation policy ( 100 % refund XXXX if cancelled 2 weeks before service date. 

We canceled 4 weeks before service date. Company becomes non-responsive, fraudulently charges the card again and then refuses to refund or respond the money. 

XX/XX/XXXX Dispute with Chase. Chase refuses to chargeback the merchant and does not investigate thoroughly even though we have paperwork.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-12
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Date opened XXXX XXXXAmount XXXXRE: Social Security Number: XXXXTo Whom It May Concern:I have recently been informed that there is negative information reported by Online Information Services in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing XXXX.I am unaware of XXXX with this company.Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number: XXXX.Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623(a)(3), and I am keeping careful record of your actions.Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking XXXX in damages for:1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices ActYou will be required to appear in a court venue local to me, in order to formally defend yourselfMy contact information is as follows:XXXX XXXXSSN: XXXXP.S. I have also reported this company to the XXXX and I have not received any correspondence to this allege debt from this company.  Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: DISCOVER BANK
State: WY
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:
I applied for and was approved for a credit card limit of {$4200.00} by DISCOVER. The card was sent to me and received by me at the address provided to DISCOVER at the time of the application in XX/XX/2019. 

Later in the month, I received correspondence requesting confirmation of my address. I immediately returned the correspondence, which was within the time parameter provided by DISCOVER. 

I received a letter in XX/XX/2019 stating that the credit card account was " closed ''. I sent a letter to DISCOVER requesting a specific reason for closing my account. 

XXXX XXXX, Executive Office of Customer Advocacy, left a voice mail on my cell phone requesting that I call her about my account. I called back and left a message on her voice mail. She did not return my call. I called a second time. This time I was told that Ms. XXXX was not available, but that the lady who answered could help me. I gave my information and was placed on hold. On returning to the call, the lady told me that my account was closed. I asked for a reason for this action and was told only that " a business decision was made to close my account ''. When I asked for the specific reason for this business decision, I was not provided a reason for their " business decision ''. 

I immediately wrote to the company stating that I would file a CFPB complaint if I did not receive a satisfactory reason for the " business decision '' to close my account. In response, I received a letter from XXXX XXXX at the address provided in the application, and on the prior correspondence requesting confirmation of my address, restating that " a business decision was made to close my account ''. No further information pertaining to the reason for closing the account was provided in the letter nor was further information from me requested. 

At the time of the application, my excellent credit score was around 750 or more from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Total Auto Finance
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Starting XXXX of XXXX when I bought the car they told me nothing was wrong with it even though the check engine light was on. I was told to call the bank I bought the car through and speak with them about insurance mind you I have full coverage insurance on the car however they told me that I would have to pay for repairs out of pocket even with full coverage and extended warranty on the car. The car has not been driven in 4 months now due to the severe mechanical issues the motor is having its unsafe to drive. The bank has called / email or texted me every day of the month telling me I need to make my car payment. I explained I would be late on a payment and theyd advised me that they couldnt help me anymore because Ive threatened them with a lawyer. However I have asked them and told them along with blocking many numbers and emails from them for the harassment every single day all hours of the day and night. They told me I was 11 days pass due for my payment and said I need to make a payment or they would repossess my car which is illegal my contact says I have to be a full 30 days behind and that I have 72 hours after that to make the outstanding balance or my car would be confiscated. Im not sure what else to do but I advised them to stop the threats and harassment or I would file a lawsuit as the car is in the middle of a lawsuit ( XX/XX/XXXX ) for auto fraud and warrant in debt for my name being forged on a paper I never signed or received and them harassing me nor wanting to fix the car even with insurance or warranty. A bank should not be able to call, message or email me all hours of the day and night from many different numbers or tell me I have to make my payments through XXXX or XX/XX/XXXX. I have tried to arrange something with this bank for lower car payments or refinancing the car as I have had it 10 months and theyve denied me any help. After theyve already threatened to repossess my car 2 times ( I have evidence ) when I want a full 30 days behind.

Company response to consumer: Closed with explanation