BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. Also having a hard time getting the bureaus to process my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Navient Solutions, LLC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For the last 18 months, Navient has been incorrectly reporting derogatory late payments to my credit files. For the month and year listed below Navient erroneously reported between 60 - 150 days late. According to Navient customer reps, they only report an account late after three billing cycles. To date, I have gathered supporting documentation showing all canceled checks and or debit card transactions for payments under my rate reduction program. Derogatory late months are shown on my credit report ; XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XXXX XXXX. Each of the fourteen accounts with Navient shows a mixed bag of derogatory lates ranging from 60/90/90/90/120 or 150+ days late. For the Months of XX/XX/XXXX - XX/XX/XXXX, Navient has granted me a national disaster forbearance, but they are still reporting derogatory for said months

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
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: Was not notified of investigation status or results

Complaint:
A computer glitch that was TransUnion 's problem - not my problem - it caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. these inquiries add a hardship and that myrights were violated by TransUnion. Can someone help you make TransUnion stop victimizing me and others. I know that this 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 2019-03-09
Company: BlueChip Financial
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I applied for and received an online loan from BlueChip financial DBA XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could I contacted the Indiana department of Financial Institutions, the Federal Trade Commission and the Consumer Financial Protection Bureau. It seems that XXXX is NOT licensed to do business in the state of Indiana, charges illegal amounts of interest and does not recognize federal and state laws. Tribal law does not supersede state or federal law especially since Im not a member of the tribe nor do I reside on the reservation. BlueChip financial also violates the federal law against, deceptive and abuseive practices. Which in turn means that my loan is NOT legal, NOT enforceable and it is NOT collectible. Upon receiving this information I contacted XXXX via phone and told them what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX XXXX XXXX XXXX In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said that a case manger would look into this. I wasnt given any time frame or even the persons name. I then contacted XXXX XXXX XXXX- I spoke with XXXX , who said he was the manager, he was very rude and basically said that they have money on this account and I needed to pay. I advised him that the loan was ILLEGAL making it null, void and uncollectable but he insisted that this legal for them to report this to the credit bureau. I have since then filed disputes with the credit bureau.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Attached are accounts that need to be deleted and blocked from credit file immediately.

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 2020-05-31
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
On XX/XX/XXXX my lease on my XXXX XXXX XXXX was up. I had called Ally XX/XX/XXXX to extend my lease 3 months. Everything was fine. I had filled out the pay work sent it back. They revived it with a payment of XXXX dollars on XX/XX/XXXX for the first month of the extension. I never received the bill for XXXX, I called and spoke to multiple people who told me it would be 3-5 business days and never received it. For XXXX they had sent me a letter saying I had never paid for XXXX and they had applied my money to other fees and that were reposing my car. They ended up taking the car from me and now I have bad credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My mortgage company, Bank of America, is reporting me late for the month of XX/XX/2020. I WAS NOT LATE. I sent my normal payment and they held the payment and did not apply it due a dispute that I am having with a home improvement program that I used to upgrade my home. The home improvement company added their entire principal and interest payment to my property taxes which caused my payment to double. I was in the process of applying for a consolidation loan with Bank of America to payoff the home improvement company and was advised to continue making my regular monthly payment. They late reported caused my credit score to drop below the required minimum which has caused them ( Bank of America ) to decline my loan until I can get my score back up. The reported late caused my credit score to drop by 74 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have a checking account with Citizens bank. They apparently signed me up for an overdraft line when I opened the account. They have never shared with me the balance outstanding on the line ( I never knew I had a balance! ), do not share any statements, and do not provide any statement online ( specifically the " statement '' section related to the overdraft is empty and shows no history ). In addition, once I spoke with them and they told me there is a balance, there is no way to pay the amount online when you try to go through their process. 

It seems as though there is a very intentional effort here on the part of the bank to ensure the consumer isn't aware he has an overdraft and can charge her 24 % p.a. 

Extremely slippery!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the bureaus to remove this issue however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
To Transunion & XXXX : I am writing to inform you about an error I noticed on my TransUnion and XXXX  credit report. 

Date of item being disputed : XX/XX/XXXX Description of dispute : My Transunion and XXXX  report states that I have 1 Hard Inquiry from XXXX XXXX  ( XXXX ) on XX/XX/XXXX. It's been four months now and this Inquiry still shows on my report, even when I am not currently doing business with them. I also have a Negative Activity on my report from XXXX ( XXXX  XXXX  ) on XX/XX/XXXX. My credit card debt from XXXX XXXX  have already been settled in full, yet the negative activity still appears. 

I am requesting that you remove this information from my credit report. 

Thank you for your help.

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 2022-08-05
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Reference : Mr Cooper Loan/Mortgage # XXXX Hello, Approx 2 years ago, had many issues with Mr Cooper- PMI XXXX escrow etc. Refer to case # XXXX. Issues were resolved at that time..pmi and escrow removed ... all has been well. 

As of a few weeks ago ( XX/XX/XXXX ), i received request to provide mr cooper with current hazard insurance information. I responded immediately providing the new policy number ( paid in full and ends in XX/XX/XXXX ), phone number etc for my XXXX XXXX XXXX policy. My previous policy was with XXXX too. 
No lapse is coverage ever occurred and taxes are fully paid. 

Next thing you know, Mr Cooper is trying to reopen a new escrow account for me as of XXXX, XXXX. I didnt not request nor want this. I called Mr Cooper ( spoke with XXXX XXXX and asked whats going on and again, its the same incompetence i experienced two years ago with all the issues. I then left voicemail for XXXX XXXX ( Mr Cooper Mgmt ) who helped me two years ago. 

Pls help me. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$31000.00} XXXX XXXXXXXX XXXX {$420.00} XXXX   XXXX {$430.00} XXXX XXXX XXXX {$170.00} XXXX XXXX   XXXX {$490.00}

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 explanation
Consumer complaint received 2017-08-10
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 was result of identity theft

Complaint:
I am writing concerning my experience with Capital One Bank. Theres concerning marks reporting derogatory in my credit files that I would like to have removed. This account was fraudulently opened in my name. I have contacted this company on several occasions with no return notice of acknowledgement. I received my credit report profile from the 3 major reporting credit agencies today on XX/XX/XXXX. Unfortunately, Im showing a credit card account that was opened in XX/XX/XXXX and charged off in XX/XX/XXXX. I am asking that this be deleted from my credit profile as this account does not belong to me. I have a Police Report, a Federal Trade Commission Identify Theft Report and a screenshot of the listing on my report. Ive made several attempts to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had been working on cleaning up my insurance claims history file with Lexis Nexis, when I discovered it had a lot of wrong personal information. Three names ( not mine ) Multiple addresses ( not mine ). I have called 6 different times over the last 4 month and went line by line disputing misinformation, however each time the report was mailed it still had the same misinformation. The last two times I asked to have my California report deleted which apparently a consumer in California can do, but each time the report has not been deleted. I am at my wits end with this company. Also multiple times I have asked to speak with a supervisor only to have the customer service rep create a ticket for a supervisor call back ( they say within 24-48hours ), however a supervisor call has never been received. The last call to Lexis Nexis was on XXXX and I spoke with XXXX in reference to report & case # XXXX, # XXXX with consumer # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've been submitting disputes with this company since XX/XX/2020 only to be ignored over and over again. I've sent police reports as well as identity theft documents supporting my claims and this company chooses to ignore my disputes. This company is in complete violation of the fair credit reporting act and doesn't seem to care cause they are not held accountable for their actions. I've been emotional and financially scarred from this. I've been denied shelter for me and my family do to the negetive effects this has on my credit. I've been involved in Equifax 's recent data breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I did an ACH transfer of {$1000.00} USD to my CoinBase.com account for deposit into my USD wallet there. I followed Coinbase 's instructions and included their reference numbers in the transaction. Additionally, the name and address on the transferring account match the name and address of my coinbase account. On XX/XX/XXXX the monies had still not been deposited to my coinbase wallet although the transfer showed as completed as of XX/XX/XXXX from my XXXX XXXX XXXX statement. On XX/XX/XXXX I made my initial complaint via their online customer service portal. I had tried live phone or chat support however their website indicated that was not available and they steered me to public forums or online web based tickets. I completed a ticket providing my transfer details etc. I received an automated email that same day from coinbase that it would take up to 72 hours to respond. On XX/XX/XXXX I received an automated email from coinbase indicating a high volume of support requests and they wanted me to make a positive response to indicate my complain was still an issue. I did so on XX/XX/XXXX indicate my monies were still no transferred. On XX/XX/XXXX I sent another response to coinbase indicating I would be taking actions to recall the transfer if they did not at least reply to my issue. On morning of XX/XX/XXXX I visited my XXXX XXXX XXXX branch to recall the transfer. The bank indicated it had already been transferred to Coinbase and they could no longer recall the transfer. This afternoon XX/XX/XXXX I initiated this compliant.

Company response to consumer: Closed with explanation