BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I started disputing with the bureaus originally in XX/XX/XXXX ; I have been continuously disputing accounts that no one has ever verified or validated for me! I have requested validations from the bureaus and creditors yet nothing has been provided. After multiple rounds of disputes I finally filed my first complaint on XX/XX/XXXX. This still didn't result in any responses from the bureaus! Gave it a few more rounds of disputes and filed another complaint on XX/XX/XXXX. Yet again, NOTHING from anyone! This is my THIRD complaint! When will the bureaus finally be held accountable for their actions, or lack of actions? This has been ongoing for 1.5 years!

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 2022-08-12
Company: Experian Information Solutions 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 am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!

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 2021-09-21
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: Account status incorrect

Complaint:
First off, this is a complaint from the actual consumer & not a third party This credit card was paid off by me in XXXX but Experian keeps reporting this as a negative account & if the account has been paid off then the negative payment information needs to be deleted altogether per the FCRA. The creditor has also reported the incorrect balance while Experian has deleted all positive payment history from this account. In addition, the bureau also still hasnt deleted my old addresses & name variations after I sent this information to them. Ive also asked for an investigation per section 611 of the FCRA to how theyre still allowing incorrect information to be reported & they continue to ignore & act as if my disputes arent clear. If any of this information isnt updated or if this complaint gets tosssd again I will be contacting my attorney Im not asking for another dispute, I want to know how you all are continuing to verify inaccurate information on my credit report. Ive sent several other complaints that have been ignored by your company & need you all to actually do your job

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 2021-04-23
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In 2019 I got married and moved from XXXX SC to XXXX SC. I paid everything that I owed XXXX  and closed my account. After the move I was contacted by XXXX about equipment and I asked for a return label and was provided one. I took all of the equipment that belonged to XXXX  to the XXXX Store in XXXX SC and returned it as directed. AFTER all of the equipment was returned to XXXX  they then charged me for the equipment, " NOT BEFORE " or did they even mention a charge until after the return was made. I refused to pay for equipment that I had already returned and they turned me into a collection agency and it has negatively effected my credit report in which is otherwise perfect. I have tried to call XXXX  to discuss this issue and they will not take my call because " I do not have an active account " with them. I have contacted IC Systems Collections and explained and " it has been disputed " with them. I have also " disputed " this with XXXX  without any results. Please stop XXXX  from negatively effecting my credit report without due cause.

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 2020-09-15
Company: WATERMARK CAPITAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I submitted an application to WaterMark Home Loans through XXXX XXXX NMLS ID # XXXX. On XX/XX/2020 XXXX contacted my wife and I to review the interest rate and our monthly payments. At the end of our conversation I ask XXXX to e-mail me the loan estimate. XXXX 's reply was I don't have the bandwidth to do that. I pressed further and mentioned that I didn't think this was right and he said he doesn't have the time to send everyone that applies a written up estimate just so they can go shop other lenders with it. At that point I got off the phone. A little bit later I did some research into it and found that because I submitted my application with the information with my name, income, SSN, address, estimate of the home values, and the amount to borrow that he was required to send me a standard loan estimate within three business days. 

I called XXXX back and let him know that I still wanted the loan estimate and that he was required to by law. XXXX got quite for a few seconds and then responded with ridiculous answer claiming we hadn't really finished the application and that he wouldn't be a paper pusher just to satisfy one customer. The same application we have done with multiple other lenders who quickly returned to us with the standard three page loan estimate. XXXX still wanted us to lock in the rate he quoted without having ever seen the loan estimate sheet I am entitled to see prior to locking in a rate and continuing on in the process. 

Later that evening I decided to call WaterMarks corporate office in California. The receptionist talked with XXXX about why he hadn't given us a loan estimate. The information he gave her was that it wasn't their policy right now to provide a loan estimate. 

Had XXXX given me the required documentation, my wife and I would have happily refinanced through him as he had the best rate. Not being able to check the numbers leads me to the point I'm at now. We have been given three different responses as to why he would not provide a loan estimate after we submitted all of the required information on our end.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Account Outsourcing Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This XXXX calls my work and cell leaving me message and telling me that there is a case filed against and they need my HR department for garnishment of my paychecks she would not tell from who and when asked to send me the info through mail she got upset. I also told she is harassing me at work

Company response to consumer: Untimely response
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: SC
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Bread Financial Holdings, Inc.
State: GA
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/2018 I have wrote the CEO of XXXX XXXX XXXX with an affidavit of fact. The affidavit of Fact he had 21 days and did not get rebut any of the facts and now I'm informing you that this has fallen into default judgement in my honor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX  ( ORIGINAL CREDITOR : 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 2023-03-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Please refer to CFPB complaint XXXX Mail fraud was committed. JPMorgan Chase and XXXX XXXX XXXXXXXX allowed a check to be fraudulently cashed. Attached is the check copy, unaltered and cashed by someone other than the payee. 

JPMorgan Chase and XXXX XXXX XXXXXXXX have a responsibility to their customers to protect them from fraud against their customer accounts. 

This is the 2nd complaint with additional information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been disputing a transaction with XXXX regarding a purchase that I am 100 % completely DISSATISFIED with for almost a year now. I have filed a " claims and defense dispute '' and they refuse to follow federal guidelines and the guidelines on their own credit card disclosure. 

I have tried to successfully resolve this matter with merchant, and also have witnesses. 
I have purchased it with their credit card. It was purchased within the 100 miles distance stated on their disclosure and the federal guidelines. 
It costs more than {$50.00} - ( ACUTAL PRICE : {$2800.00} ) I have provided XXXXy with over 200 pages of supporting documentation and they have just been over looked as if they meant nothing. 

It states under FTC and federal guidelines for a claims and defense dispute - billing rules do not apply.The dispute should be addressed as a claims and defense dispute and be opened regardless if there is a contract or not. 

" You can request a chargeback under the claims and defenses provision for any legal reason you have to cancel a sale directly with the seller, including if there's a problem with the quality of the merchandise. You have up to one year from the statement date to make a claim. You must meet four requirements : The disputed amount must be over {$50.00} ; you must be able to prove that you made a good-faith effort to obtain a refund or credit directly from the seller ; you can dispute only up to the outstanding balance on your card ( if your balance is zero, you can't use this provision ) ; and the merchant must be within 100 miles of your home and in your home state. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an email from Western Union on XX/XX/2021 to confirm my email address to complete an account registration and a second email with a PIN to use. I did NOT open a Western Union account. The email was address to " XXXX XXXX '' but is using my email address. I have attached screenshots for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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.

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 2018-08-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
***** Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( XXXX, XXXX  and Experian ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from XXXX, XXXX  or Experian, the credit update would not have occurred as we do not report to third party credit agencies.

***** XXXX XXXX  # XXXX**** shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. When you move toXX/XX/XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and my HUD contract shows this. However, the loan in question shows delinquent in XX/XX/XXXX. Please remove the negative information from my credit report and that of my wife.

*****

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 2019-06-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Ive sent a reinvestigation to Equifax and requested verification of the Bankruptcy listed on the account, on XX/XX/2019. They had 15 days under the FCRA 611 to complete the verification. This included who they spoke to at the Courthouse, not a third party verification, as I am entitled to by law. Ive contacted the courthouse and they do not verify such personal information. I also submitted proof that their alleged third party verification did not match to me, as there were two individuals with my name and initials an not one address on the XXXX  full report matched mine. They claimed my social and ID were not visible, although I've sent it several times, including with my original dispute. I resent the documents to which they said they received them via USPS mail on the XX/XX/XXXX and it will take 7 calendar days. There is no update and it has not been corrected. This is preventing me from applying for certain financial aid as well as causing a great harm to my credit score. I am demanding this be fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: FC HoldCo LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I had my vehicle financed with XXXX XXXX XXXX. I called XXXX to see if there was a local office I could go to to payoff my loan. I was told since they are an internet company they do not have a local office I could use for this purpose. I sent funds to payoff the loan to them electronically. Per discussion with a phone representative the funds were received and were sufficient to payoff the balance of the loan. The funds were received by XXXX on XX/XX/18. I have a prospective buyer of the car so I called XXXX on XX/XX/18. I was informed the title to the vehicle will not be released until 10 - 30 days have passed. I asked if the reason for the delay was to verify funds used to payoff the car has cleared and was told no. It is just XXXX 's policy. I can not imagine a valid reason to wait a month before the title to the vehicle is released by a lender. This is an unfair practice.

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 2021-09-21
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to reach this company by phone yesterday XX/XX/21. I advised them that my boss had received a collection letter which we need to dispute but that I do not need any account information, just two pieces of contact information. ( 1 ) Is there a fax number where we could send a dispute so it can be verified received faster? ( 2 ) Is there an email address for the same reason- for XXXX XXXX ( signed the letter ) or anyone else? 

They flat out refused to give me CONTACT INFORMATION for CHOICE RECOVERY. They kept telling me for privacy reasons they could not give out account information. Well, of course not, which is why I wasn't asking for account information. I asked for contact information for a debt collection agency- and they REFUSED to give it to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Lending Club Corp
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LENDING CLUB CORPORATION is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have invested some US Dollars into some crypto currency, on an exchange called Coinbase/XXXX. They are both the same company. I can not access my coins in my XXXX wallet. Every time I try to login to my account on the exchange it reads " An Error occurred. Please Contact XXXX support. '' I have contacted support many times, but each time they claim to have submitted this issue to a specialist and they will get back to me supposedly, but I still have no reasonable resolution, after more than 2 weeks. I have both some Bitcoin and XXXX   which I would like to take out of XXXX at this time. However, Coinbase/XXXX will not allow me access to the coins. My coins are being withheld from me without my consent at this point. The issue started when Coinbase pinged my credit card multiple times for a purchase I made. This for some reason caused their system to refund my credit card, the purchase amount by accident. The company had a balance due to them because of this error, and has been paid, by me in full. There is currently no balance due. They promised to return my coins, when the balance gets paid, but they have not held up to this promise. My Coinbase case # is XXXX, and my funds have been frozen for an unreasonable time with no explanation at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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:
On my Equifax credit there are two hard inquiries for credit which I did not make. On XX/XX/2021 there is a hard inquiry listed on my credit report from XXXX. I did not make that inquiry. On my credit report it also shows a hard inquiry from XXXX on XX/XX/2021. I did not make this inquiry. I filed an identity theft report regarding both of these incidents and I have attached a copy of the identity theft report. 
I am asking that these hard inquiries be deleted from my credit report immediately as I was a victim of identity theft.

Company response to consumer: Closed with explanation