BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I sent letters to all XXXX credit bureaus on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
When i had recently checked my credit report and found several inquires on my credit report that I did not do. I immediately called the said companies that had reported unauthorized inquires and they all told me I needed to contact the credit buraus. I called all three and were told there was nothing they could do and to contact the companies even though i had told them i already did. I then sent detailed letters to the buraus with proper identifations and have not this has not yet been resolved. I request all of these unauthorized inquires be removed from my report. 
XXXX XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: SUNTRUST BANKS, INC.
State: NY
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:
To whom it my concern, never made any inquiries on my credit. Suntrust bank is on my hard inquiry that I never did. Please look into this cause I did n't look for any loans for anything. Thanks 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 2021-12-06
Company: Experian Information Solutions Inc.
State: MI
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:
Have been sending letters to all three credit bureaus about late payments that have been posted to my account. I have requested that the late payments be removed as they are affecting my credit score and ability to get a house.

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 2018-01-21
Company: DYNAMIC RECOVERY SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX acting in behalf of XXXX XXXX XXXX, XXXX ; disputing XXXX XXXX XXXX charges for the amount of {$1000.00}. 
This account has been filed and solved on XX/XX/XXXXwith the Consume Financial Protection Bureau, with reference number XXXX. 

First of all, this polemical disputed derogatory charges from XXXX XXXX XXXX has been disputed many times with several other creditors. After, disputed such inaccurate charges with XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, based in the findings subsequently such derogatory information was deleted by those creditors from my credit profile. 

Now, XX/XX/XXXX XXXX XXXX XXXX is persecuting me again for services that I have had never provided by XXXX XXXX XXXX. My personal profile has been jeopardized multiple punishments for the same issue by the missteps of all those collection agencies. This aforesaid derogatory disputed account, it seems that has been transferred or sold amount collection agencies. 

XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, must cease and desist with this multiple jeopardy persecution and punishment for the same issue that previously has been solved. 
The aforementioned derogatory charges from XXXX XXXX XXXX are services that I have had never solicited nor provided by XXXX XXXX XXXX. 

This is a matter that has been on and off for the last nine ( 9 ) years and needs to stop the harassment over this controversial issue immediately.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: MD
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:
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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express - Platinum Delta Credit Card Promotional Offer I enrolled in XX/XX/XXXX to receive a promotion of XXXX delta bonus miles and XXXX XXXX. I qualified for the promotion in the first month. I called on XX/XX/XXXX to inquire as I still did not see any points in the Delta accounts. They opened an inquiry and said it could take 6-8 weeks to resolve. I 've called back twice since then ... since I had not heard anything from them. On XX/XX/XXXX I spoke with a manager, I learned at that time it was a broader issue affecting other card holders. This concerned me because this is the first I heard that ... why are they not proactively informing card holders affected. I requested my annual fee be waived as they did not hold up to the services we agreed to and in addition the interest and opportunity cost they have caused me ... I was denied. About 6 or 7 weeks later they still have no update or time frame in which I can expect a resolution. I am using this tool to file a complaint as I could not find a way to do so within American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: SOUTHWEST FUNDING, LP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The lending agency gave there word and said they could get the deal done. I went above and beyond over 90 days to increase my credit, pay off all debt and have the available funds for down payment. They decided 3 weeks before closing that they couldnt do the loan and admitted they never even submitted my information to the underwriter. I am already living in the home as the sellers agreed on a 90 day lease back and I now have 3 weeks to move out and try find a rental home. I have already put {$15000.00} into the house plus 3 months of rent going off the lending agency saying I was approved and the deal would be done. What a complete waste.

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 2018-01-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I transferred XXXX euro to my Coinbase wallet. On XX/XX/XXXX I received a message that my deposit would be reversed, because " the name of the bank account does not match the name entered on the Coinbase account ''. Coinbase claimed the funds would be returned to the sending bank within 1-2 business days. 

By XX/XX/XXXX the money still had n't arrived at my bank account, so I filed a support ticket, asking when the XXXX euro would arrive. I only received a auto-reply from support. 

On XX/XX/XXXX the money still had n't arrived, so I called their support number and I talked to a support employee called XXXX. I shared with him multiple screenshots as proof of the situation. He told me he was unable to resolve the problem and that my ticket would be escalated to a specialist. They would follow-up with me, as soon as they had an update. Support ticket numbers are # XXXX and # XXXX On XX/XX/XXXX I responded to the ticket, asking for a status update, but still have n't heard back from them and the money still has not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: EQUIFAX, INC.
State: MI
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:
Recently I requested an investigation through Equifax regarding inaccurate information on my credit report. The Equifax report shows that I have a past due balance of {$2600.00}. This is an error. The loan was restructured on XX/XX/XXXX bringing the account current. The Fair Credit Reporting (  FCRA ) requires information furnishers to conduct a reasonable investigation with respect to the disputed item. Equifax reported the results of their investigation on XX/XX/XXXX with the error not being fixed. I do not believe Equifax did a reasonable investigation with respect to the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
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:
Trans Union and XXXX I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in

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 2018-01-21
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Funds were taken out of two of my checking accounts. One account {$900.00} was taken. The other account {$300.00} was taken. Funds were deposited into Coinbase without permission. Funds wrrethen transferred to an unknown address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, 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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 contacted XXXX to find out more details about a car loan that was originated in my name over 2 years ago. After being provided with the details of the loan I was able to recognize I did not authorize the account and able to identify the family member who was likely to have originated the loan because I know the car is in their possession, I just never knew the car I 'd seen them with was in my name. I alerted XXXX that the account was originated with fraudulent means and rather than remove the information from my credit reports, the company declined my offer of exchanging the vehicle 's location for the removal of negative information.

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 2020-02-06
Company: OCMBC, Inc
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have already opened a case with the CFPB regarding this matter. ( Complaint number XXXX ). I am trying to leave " feedback '' regarding the lender 's response which was filled with lies. The feedback button is broken and nothing opens when I click it. I have attached a timeline, which you can clearly see contradicts with their timeline. The denial letter stated a completely different reason from the one that they provided in their response ( gift funds and VOR is stated in their response and our denial letter stated " inadequate collateral ''. ) We provided a VOR and rent checks earlier in XXXX. As you can see in my timeline, I also noted emails, dates as well as points of contact. I personally contacted LoanStream multiple times to check the status during the process and they never mentioned anything about waiting for the broker. I was never told that things were " missing '' I was always told that it was " In Docs '' and would be finalized " that night '' which clearly never happened. 

After I left the initial complaint with CFPB, I was contacted by the COO at LoanStream, but he just seemed dead set on getting the timeline so that he could create his response and try to make them coordinate. Loanstream ruined the relationship between the borrower ( us ) and the seller. The seller refused to give us back our deposit of {$10000.00} and it took us weeks to negotiate. I lost {$2000.00} to the seller as well as the costs mentioned in my original complaint. 

In closing, the response that LoanStream left is filled with lies. We were not " unresponsive '' to their calls. We answered and sent the attached document directly to XXXX XXXX who called us back that night with a team of people on the phone. In fact, the attached document was created specifically for Mr. XXXX. Unfortunately, their main goal was to simply get us to put the additional money down and purchase the house that the seller refused to sell to us. ( Note : the seller 's broker also left a negative review for Loanstream and refuses to work with them so it was a dead end. ) To further prove that Loanstream is a crooked company, once I left my negative ( yet 100 % accurate ) review, they did their best to " bury '' it with fake positive reviews. Some are from actual employees of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Bread Financial Holdings, Inc.
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:
Comenity XXXX should be removed by the company for account ending XXXX. 

Report was to be fully removed, not Legally paid in full for less than the full balance. The false reporting has gone on too long and should be removed. I was told it would be completely removed years ago and is still not being reported correctly. It is almost 6 years old and still lingering. Please have removed as it was promised 5+ years back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: STERLING JEWELERS, INC.
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: Information belongs to someone else

Complaint:
I am making this complaint of my own accord and do not consent to XXXX verification in response to KAY JEWELERS reporting inaccurate information to XXXX of the many credit reporting agencies. I have contacted KAY JEWELERS to produce proof pursuant to rule 1002, of an original contract. It has been more than 180 days and XXXX, XXXX, and XXXX are still reporting erroneous information on my consumer report. I never received full disclosure from any of the companies mentioned that my personal non public information would be used in this deceptive way. Pursuant to 15 USC 1692g I am to be provided with the correct validation by KAY JEWELERS of a " debt '' the alleged is " owed ''. Given that I have contacted not only KAY JEWELERS but XXXX, XXXX, and XXXX more than 180 days ago to dispute and have them correct their error, 15 USC 1692g ( b ) subsection ( a ) states that they should cease and desist all communications, verbal and written until the disputed " debt '' is validated.15 U.S. CODE 169f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the " debt '' or permitted by law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter to XXXX on XX/XX/2021. The letter was about late payments for a student loan thats under the Federal CARES Act. Also, I disputed some accounts that had no names or addresses for the businesses that allegedly reported the accounts. Equifax said it was verified but I can not understand how that was possibly if they can't provide information about who is reporting the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back in XX/XX/2018 I move from my apartment to a different location and the utility company billed me and added me to collections although I was no longer there.

Company response to consumer: Closed with explanation