BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
opened XXXX  account in XX/XX/XXXX, Because you could pay your rent and not have to pay the normal fee associated with paying with credit card, I paid XXXX on XX/XX/XXXX and it worked fine then on XX/XX/XXXX i paid XXXX went through but six days later came back though my apartment complex NSF so now have XXXX nsf check charge and also a late charge of XXXX, Now I can not use a check any more with my apartment complex because of the check being insufficient funds. this was suppose to make it better for me now it is a big problem

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have right under 15 USC 1681. 

XXXX XXXX Transunion is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX XXXX Transunion written permission to furnish these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-23
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
im trying to work on this when i moved alot mine and my daughters stuff was stolen shes only XXXX yrs and are unware of this debt and how could be here shes under age im very worried about this now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-08-03
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: Was not notified of investigation status or results

Complaint:
Hello - I really need your help on this. I mailed letters to XXXX, XXXX  and TransUnion on XX/XX/2021, specifically about inaccurate and unverifiable items on reporting on my credit report. I understand Covid 19 has delayed many, while short staffing others, but it has been well over 45 days and I have not received a response validating the inaccurate and unverifiable items. I was told the burden of proof is on the data furnisher so please help me get the proof to their claims. Not that familiar with the law, but I did see section 611 in the fcra, it says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these accounts MUST be deleted immediately, especially without merit or validation. I demand these accounts be deleted immediately or undated accordingly. If not, I will explore all legal options, I not limited to litigation due to the XXXX XXXX this is causing me and my family. 

I would like the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Thanks for your assistance and take care duiring Covid 19!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: LA
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:
EXPERIAN VIOLATION 15 USC 1681(c)-2. EXPERIAN IS CONTINUING TO REPORT AND POST FRAUDULENT ACCOUNTS ON THE CONSUMERS PROFILE DESPITE REPEAT REQUESTS AND COOPERATION.

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX account # 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 : 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 non-monetary relief
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: IN
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:
Equifax XXXX XXXX XXXX has my student loans showing $ XXXX higher on their Equifax side. XXXX is correct. XXXX XXXX & Equifax is far from being correct! They refuse to fix it!! Ive been going through this for months! They keep blaming EACH Other. I have screenshots of all the chats where they refuse to help & blame a non existent creditor- that shutdown a decade ago and they blamed Each other everytime! I am on the verge of filing a lawsuit on XXXX XXXX XXXX Equifax! They are reporting XXXX accounts listed for XXXX. XXXX has all those accounts and have for quite a few years!! I have filed dispute after dispute, NOTHING, Ive called! NOTHING! XXXX has already told them that they are the ones who have all these accounts, and that they have duplicates listed! This has went on since XX/XX/2022! Today I called on my recent dispute & realized some worker or the system changed my address to a very old address?? EQUIFAX & XXXX XXXX  ARE LISTING VERY INACCURATE INFORMATION! What do I do- other than file a lawsuit??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: WA
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 fico score ( credit ) is way below what it should be.couldn '' t get corrected

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 2021-08-03
Company: Experian Information Solutions Inc.
State: AL
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 a victim of identity theft. Please see the attached documents relating to this case and the completed notarized identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. 
Fraudelenat accounts are : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Attached is my notarized affidavit and police report. 
This is my 3rd attempt to communicate with you on this matter.

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 2022-08-02
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: Public record information inaccurate

Complaint:
I sent a letter to Equifax requesting to know the method of investigation regarding two bankruptcies on my credit report stating through XXXX XXXX. Equifax only sent me confirmation # XXXX dated XX/XX/2022 stating they have reinvestigated and that the information was verified. I requested to know the method of investigation. Im requesting to know this because per the attached XXXX XXXX report I have no bankruptcies listed. Method of investigation should include who, what, when, where, and how, not that it was verified. Basically Equifax has violated my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). I demand an immediate deletion of both records and {$1000.00} for the violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: LD Holdings Group, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Depot had contacted me about refinancing my home mortgage. I gave them an application, working with XXXX XXXX. He knew I was also applying at my credit union for the refinancing. Loan Depot sent me a loan offer, along with the full HUD statement. 

XXXX had told me Loan Depot could match or possibly do better than the offer I was waiting to receive from my credit union. I sent XXXX the HUD statement from my credit union 's offer, as he had requested. 

XXXX came back with a better offer than his original offer, but it was still significantly higher than the credit union offer. He stated he could not do any better on an offer. He and I agreed the credit union offer was the better one, and that I should pursue that one. We agreed I would not take the Loan Depot offer. 

Today, XXXX XXXX, 2021, I received from Loan Depot in the mail an " Adverse Action Notification '' and " Statement of Credit Denial, Termination, or Change. '' The reason given is " Credit application incomplete ''. There is also the statement, " APPLICATION DECLINED. '' I spoke to " XXXX '' at the Customer Care department, who told me the computer automatically defaults to the Adverse Action Notification. I told him this was mistaken and not factual. My application was, indeed, complete, and I had received an offer of a loan from Loan Depot. He told me he could not change the information, and he could not reach a supervisor. He said he would have a supervisor call me tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I own a XXXX flat on the north side of XXXX Illinois. During the pandemic my tennents were experiencing a hard time paying their rent due to reduced paychecks. At that time I had XXXX XXXX XXXX as my mortgage provider. I applied and got forbearance on my loan. I was told that I could get a loan modification at the end of the forbearance.This process dragged on forever and in XX/XX/2022 my loan was sold to Selene Finance. I again started the process of a loan modification with Selene Finance. Once again I was met with mass inconsistencies. I filed for the modification twice and each time I was denied, I am currently appealing their latest decision. Because of the time consuming process I am currently in the midst of a foreclosure. I feel that they are conducting fraudulent practices.They were suppose to provide me with determination my XX/XX/2022 but did not receive it til XX/XX/2022 when the letter was dated XX/XX/2022. All their correspondence is received late with little or no time to react. In my opinion that is not a coincidence

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
As you can see from the attached copy # XXXX, when I draw from my Debit card {$900.00} on XX/XX/XXXX because of the bank closure in my area ( XXXX, NY ), I got a piece of receipt which says, the remaining available balance was {$57.00}, after a transaction I made {$100.00}, {$28.00}, and {$1.00} on the same date. To justify my word, just look at the attached copy # XXXX above the highlighted date balance of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX even I didn't do any transaction at this date. Since then the problem started. Just by assuming this balance, I had a transaction {$52.00} on XX/XX/XXXX to close my account by leaving XXXX for their statement charge. I assume that they closed their door and no ATM machine around, so closed by drawing my money. After all this date till to date XX/XX/XXXX, they charge my account XXXX for which I don't have any idea in the fancy name of service charge, overdraft fee, monthly maintenance fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had my Checking account for almost 20 years. Were All my payments and direct deposit goes through. I was accused of fraud and threatened by bank of America and they closed my account without further investigations. My sister in law owes me deposited her payment to my account using her EDD debit card. She said that she spoke to her bank and they said its ok. Why would i be suffer from this when its someone else made a deposit tk My account. It is very Unfair and it was already made clear that the deposit or transactions was not a fraud and they still closed my Checking account. It caused me a lot of stress since all my payments and direct deposit is all through that account. I cant even pay my rent on time. They even threat me that they Will report and wont be able to open an account else where. I have a written letter from them as an evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02
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:
As of XX/XX/2022 the credit reporting agency have still yet not rectify their wrongful actions of violating my rights. I am tired of going back and forth about these violations. Someone needs to help me resolve this issue. I have made several attempts and ask the credit reporting agency to furnish my written statement for them to place anything on my credit report. I asked to them to provide proof of the furnishers investigation and I am on edge that my employment is placed on my public records of my consumer report which is not okay being that 4 years ago I was a victim of XXXX XXXXXXXX. I asked them to remove any information from my account that does not have my consent and for the most part nothing has change.

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 2022-08-24
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-08-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I have never been late on my any of my accounts with Capital One. I have disputed these late payments several. This reports are hurting my credit score and stopping me from getting approved for a home. One of the credit card accounts are closed but they continue to report it as being negative. They reported that I have been late on both accounts XX/XX/2015 through XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Direct Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I'm reaching out to you. I received numerous calls to collect a debt. I have actually two collection agencies trying to collect on the same debt from XXXX XXXX. The one agency is XXXX XXXX XXXX  and also Direct Recovery XXXX. I don't want to be paying twice for something and the same debt. I was wondering if you could help me out and letting me know if two debt collectors can actually do this. If you could please help I appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX Coinbase allowed me to send {$5.00} ( and change ) in XXXX to a hardware wallet. 
I attempted to send {$2900.00} ( and change ) of XXXX to my hardware wallet and it prompted me to verify my account. I attempted to verify my account three times using my driver 's license which is the same ID in which I opened the account with. Coinbase declined verification 3 times and proceeded to disable my account.

I filed a complaint with Coinbase, in return I have received automated emails with no actual resolution or promise of one. I am currently still locked out of both my Coinbase and Coinbase Pro accounts with no access to any of the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  has violated my rights In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX has violated my rights In accordance with the fair Credit Reporting act convergent these Inquiries has violated my rights. 
XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX 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 response to consumer: Closed with explanation