BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX, US DEPT ED account XXXX, XXXX account number XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: V and H Portfolio
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I've attempted numerous times to get this account taken care of. Its past the XXXX, it's reporting incorrectly and needs to be deleted immediately. You guys are on a recorded call violating all types of laws and I am not going to stop disputing this inaccurate and unverifiable account. Please send the Archive File. Do not respond in any way other than through this CFPB portal. If you respond in ANY way other than through here, I will consider that harassment. Also, while the tradeline is under investigation, it needs to be deleted. Please do so. TIA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
The company involved, Equifax, allowed my information to be taken by hackers. I have two properties, with two mortgages, one for {$900000.00} and one for {$230000.00}. I also have student loans totaling {$250000.00} for my XXXX XXXX and {$40000.00} for my wife 's XXXX XXXX. Any credit issues would be absolutely disastrous for me and my family. My detailed information and my wife 's detailed information was stolen and is now available for criminals to use for their own purposes. I have started fraud alert with all three companies, but this means that my next property purchase will have to be put on hold until these issues are resolved. I had offered to buy a property yesterday, but now will not be able to do so because of the fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
I am part of the Equifax breach. I feel like I should be given 7 years of free credit monitoring by the company. I also would like to be able to remove my information from their database since they clearly can not be trusted with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized hard Inquiries on my transunion credit report that needs to be removed. 

XXXX XXXX XXXX XXXX SO XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX   XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/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 2018-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with Capital one. I recently paid off the account in full based on the balance quoted by their system online. I even paid {$10.00} ( XX/XX/XXXX ) over what was quoted because historically Capital One always charges misterious interest after I have paid off the account. I contacted them this time and asked how would I know about some interest charge if there system ( which quotes the payoff ) does not show it. They said because of the billing cycle it would not show the correct payoff. If I am customer it would seem there is no way to full know what is due and it seems like a scam that these charges show after they accounts are paid based upon what was due their system. This seems to be common among credit card companies, they know how to charges interest but there system can not truly show what the payoff is exactly. I think this should be looked into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ). Am invoking my specified remedy as a consumer, and I demand Transunion to obey the law and remove PRIVATE INFORMATION from my consumer credit file. Pursuant to USC 1681 ( a ) ( 4 ). A consumer has a RIGHT to privacy. I hasn't sent proof of this illegal action as well as exhibits. Govern yourselves accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I closed on a house and Cardinal Financial was the mortgage lender. On the closing discolsure they had one full year of XXXX property taxes and 3 months of property insurance fees after paying both in full for XXXX. This has left a balance of over {$6000.00} in my escrow account. Additionally I'm paying over {$800.00} per month for property taxes and insurance for all of XXXX. By the time XXXX property taxes and insurance are due there will be in excess of {$15000.00} in escrow. As of today ( XX/XX/XXXX ) I have notified Cardinal of this issue and they refuse to refund my money. 
Cardinal claims that federal regulations require them to keep this balance. Based on consumerfinance.gov this is not the case. So, this appears to be an attempt by Cardinal ( and likely other mortgage lenders ) to make a profit center out of escrow funds. By keeping all their mortgage lender 's escrow account over funded their can make millions of dollars in investments and interest and possible increase the lending power at the expense of their mortgage payers. This should be illegal to mislead the mortgage payers with such practices, lying about federal regulation, and not disclose the purpose and use of the excess escrow fund. Such mortgage lenders should be investigated and regulations put in place to disallow this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00}, and XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$1400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: HI
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX  XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states : I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I hope all is well. 

This complaint is in regards to Coinbase ( www.coinbase.com ). I initiated a sell/withdrawal on XX/XX/XXXX of 58.2 Litecoins, worth {$3000.00}. The reference code is XXXX. The transaction says " Completed, '' but no funds have been received in my account for what it is now over 2 weeks. I have contacted my bank twice to double check that no incoming wires or funds have been bounced or rejected. My bank has no record of an incoming transaction of that amount. I have been sending emails to the Coinbase support team for the last week with no response. I have tried contacting their support via XXXX - also with no response. 

Please let me know if you require any additional information from me - I am desperate to receive this money back into my account. 

Warm Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: AZ
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:
I believe my identity information was stolen through a breach of security on part of Equifax Inc. Their new website, www.equifaxsecurity2017.com, reports that " based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
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:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX Balance : {$410.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: MD
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 in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, XXXXx, Transunion ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX, Transunion ), XXXX XXXX XXXXXXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( Transunion ), XXXX Acct XXXX ( Transunion ).

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 2018-08-09
Company: CITIBANK, N.A.
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:
XXXX : Acct # XXXX showing on my credit report. 
Not my account. Account states on credit report was opened XXXX. I was born XXXX, I was XXXX. Says last reported XX/XX/XXXX. 
Amount Owed {$0.00} but wasn't mine needs to be removed. 

XXXX Account 2nd Account reflecting on credit report Acct # XXXX States Opened - XX/XX/XXXX ( I was XXXX in college, did not have credit ) Last Reported XX/XX/XXXX Balance Due - {$380.00} States there are 19 ( 90 day ) lates Maximum credit stated > {$210.00} In addition this account was charged off closed by creditor. States this underneath acct # on report. How can they continue to bill and report a charged off account trying to collect past 20 years. 

I checked to see if my dad has a credit card with XXXX in event it was his but he does not.

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 2018-08-09
Company: DISCOVER BANK
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: Card was charged for something you did not purchase with the card

Complaint:
Recently issued a dispute on XX/XX/2018 about multiple charges stemming from XXXX with my Discover credit card. 

These charges were fraudulent and I did not authorize them or dealt with this company at all. 

The charges totaled more than {$37000.00}. 

I received disputes favoring me in total of {$7000.00} and was on the hook for the rest of the disputes over {$30000.00} even though they told me that after the investigation XXXX failed to communicate with them and provide Discover with any evidence or transactions. 

I received no written communication of the reason why I did not win all the disputes or any written communication with Discover at all through the whole process. 

After receiving multiple emails on XX/XX/2018 about most of my cases being valid ( even though they got no communication with XXXX  ) so they basically decided the charges were valid with no evidence to back this up. 

I then communicated with Discover chat about this issue and they claimed that I had dealt business prior with XXXX XXXX  which is completely false I had no idea what XXXX XXXX even was. 

They just then referred my cases to the actual fraud department instead of billing disputes ( the department I should have been referred to for my issue in the first place ). 

I will post an update after their investigation is complete about how the fraud department chooses to handle my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/2018 i have submitted disputes to Experian via certified mail 2 days later they claimed to already verify the debts that is harming me and my credit report with negative information. in the letter i have sent i demanded how they verified the debt belonging to me they have NOT sent me any information under my fcra rights about what there motehod of MOV was and who reported the information a few days later i have recieved a letter on dated the exact day of the disputes they received stating they WILL NOT look further into the investigation/disputes that is a validation of my rights to know where and how they have gotten my information from false reports on my credit which is harming me credit files and scores with negative information i will pursue this matter into the court of law if need be below i will attach the form that they have sent me stating the will no long further disputes ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) and ( XXXX XXXX ) this is a violation under the FCRA 616 disregarding i as the consumers request i demand this matter be taken care of effectively within 15days!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30
Company: EQUIFAX, INC.
State: FL
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:
inquiry victim inquires from companies i never authorized on 3 credit reports XXXX, Equafax, XXXX XXXX.
Inaccurate information on my credit report 1. XXXX XXXX account late payment status, XX/XX/XXXX reports as negative Due to do inaccuracy of this information i request you delete it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation