BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2020 XXXX XXXX  stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would 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 explanation
Consumer complaint received 2021-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I walked into a Bank of America financial center located at XXXX XXXX XXXX XXXX XXXX, DE XXXX with the intent on depositing my promissory note with the interest due to me by multiple business whom I have contracts with. I was advised by multiple employees at this bank that they could not deposit my promissory note which I also advised was a check ( remittance coupon ) because it was just a piece of paper and that they could only pay the company and that they refused to deposit my funds because they claim they have been doing their job for years and never seen this type of transaction before. I asked and verified that BOA  was an FDIC insured bank per 12 CFR 229.2 ( e ) ( 1 ) ( as defined in section 3 of the Federal Deposit Insurance Act ( 12 U.S.C. 18I3 ) ) and advised the teller of the FDIC federal law showing my right to deposit such instrument as a NON-CASH ITEM in a check form without magnetic ink and a routing #. I also advised that since the account number is available that the account can be located within the system which would show them the account number they needed for the targeted financial institution and I was still denied. I requested a call to a manager and that manager also advised the teller that they could not perform this task. Although, I called BOA customer service 3 times and confirmed with XXXX that this was a process that I was federally obligated to perform and that BOA is aware of this procedure as well. According to the BOA Deposit Agreement and Disclosure this banking institution accepts and deposits non-cash items such as checks so why am i being denied and told that the non-cash item check i am demanding to be deposited which is paid to the order of me denied and told it is not a check by not 1, not 2, not 3 but at least 6+ employees and managers that this simply can not be done. I presented the check the the bank did not pay the check upon presentment. I also made sure to endorse my instrument and was still denied my right to deposit a check on my account. The staff should be trained and educated on how to process these type of transactions as well as the many types of deposits a consumer is federally rightfully able to perform to prevent complaints and violations from being performed.

12 CFR 229.2 12 CFR 1005 7 CFR 1901.508

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA 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 2022-07-21
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: Account status incorrect

Complaint:
Company-Transunion ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account , for the months of XXXX, XXXX, XXXX, and XXXX Compan- XXXX ; Called and was stated to file complaint FTC incorrect reporting late payments on XXXX account, for the months of XXXX, XXXX, XXXX, and 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 2015-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Late fee

Complaint:
I am writing in regards to Capital One Platinum credit card. I received an offer for a new Platinum credit card in the mail about a year ago. It had a XXXX percent balance transfer offer. I calculated the amount I would need to pay in order for me to pay off the balance completely by the time the introductory rate would begin. I began making $ 500 monthly payments to the Capital One account on a monthly basis. I was told when I opened the card that I was allowed to pay the balance in advance with no penalty. After paying the XXXX monthly payment to Capital One for about 6 months, and never hearing from them via phone, email, or mail, I logged on to my account to see what was left of the balance. To my surprise I was billed a late fee for numerous months. Having made {$500.00} payments for approximately 6 months I should have been paid through the end of the year. After calling Capital One I was informed that they do not allow consumers to make payments in advance. 

How is it legal for Capital One to not allow me to pay in advance. I pay my car loan payment 3 months and I pay all of my other credit cards 1-2 months in advance. I have never had in institution tell me that they do not accept payments in advance and regardless of timing if they do not receive a payment by each months due date, even if that amount has already been paid in advance, that they will bill me a late fee. If they have received the funds and I am paying as agreed how can I be assessed late fees on monies already received by Capital One. How can this be legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The company Im dealing with is Coinbase, Im having issues with their platform Coinbase XXXX. On XXXX XXXX 2021 I initiated a transfer of {$3600.00}. About 30 mins later I called to close my account because their was fraudulent activity. They closed the account and had me verify my account. I send them my Drivers license and a selfie to prove my identity and to regain access Into my account. My account was available 24 hrs after it was locked. I realized that the money I had transferred wasnt in my account. I submitted a ticket and I havent received any answers of where my money is. I received an email on XXXX XXXX that my money was available but its yet to show up in my account. Ill attach proof of the email down below. All the company has to do is check in their systems for my account history and theyll see deposit, transfer history and itll show that Im supposed to have an additional {$3600.00} that I deposited. I already checked the statements online and the last transaction is my deposit of {$3600.00} that still isnt available. The company doesnt use account numbers to identify customers, they use emails or case number. My email is XXXX and I pending car number with them is XXXX XXXXXXXX XXXX  XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested an reinvestigation into my credit file with Transunion. They responded by deleting items from my credit file. They are civilly liable for the reporting of this information and in violation of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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:
Experian keeps listing my requests as duplicate, or ignoring, or playing games. However, they haven't yet to answer one. For 5 years I have been requesting a copy of the signed and dated permissible permission used by Experian and XXXX XXXX XXXX XXXX ( XXXX  ) to access my credit report in XXXX 2017. They have yet to do anything but play games. They pass the buck to XXXX who also lists requests as duplicate.

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 2016-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On or about XXXX/XXXX/2016 I applied for a rental property through XXXX XXXX XXXX. They use this company e-renter to compile background and credit information. I was advised by XXXX at XXXX XXXX that this company provided a credit score of XXXX back to her when the required score is XXXX. I have paid XXXX monitoring and KNOW my XXXX score is/was greater than XXXX at the time of inquiry. I contacted XXXX initially on XXXX to inquire as to how the came up with the score they provided. I was told it was gained from Transunion. I contacted Transunion who in turn told me they did NOT provide a XXXX credit score to this company. I contacted e-renter again who advised me to submit an inquiry through their email support XXXX XXXXXXXXXXXX ) which I did. I have followed up on XXXX/XXXX/16 and XXXX/XXXX/16 and have yet to receive a resolution to this issue. I am just being told " it is with Transunion and as soon as they respond they will let me know ... ''. This is NOT an acceptable response. It does NOT take a month to resolve this type of issue especially considering my ability to secure housing has been affected by this company 's error. I guess they believe it is ok to play with people 's livelihood. Well it most certainly is not! I have documentation of every correspondence between myself and this company if needed. I have since filed XXXX complaint # XXXX and received the following response : e certainly understand the concerns of timeliness. We did, however, reply to you that we believe this is an error on the part of TransUnion and encouraged you to open a dispute directly with TransUnion. The score we received from TransUnion was XXXX at the time the report was pulled. TransUnion was unable to confirm for us, after lengthy back and forth, that the score was NOT XXXX - they confirmed what they sent us was accurate. If they told you that it was different, the only way to resolve this is for you, as the consumer, to dispute this information directly with TransUnion. We do not modify what TransUnion sends us in any way. 
I have documented proof and submitted this documentation that my score at the time the info was pulled was greater than XXXX. These people ca n't just play XXXX with your livelihood then shift the blame back and forth amongst each other.

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 2019-11-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XX/XX/XXXX & XX/XX/XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Since XXXX of 2020, I have sent in 2 different disputes of BBVA USA reporting delinquency to my XX/XX/XXXX credit report that now is showing a {$15000.00} amount out of nowhere. This is reflected on my credit report after the debt has been canceled as of this Spring. My brother received the 1099-C Cancellation of Debt form from BBVA and I haven't been listed on this account for over 5 years after the account was closed and negotiated. I've called BBVA multiple times and been rerouted through their departments ending multiple times in their collector 's hands asking me to pay the amount owed and not helping me resolve the fact that I don't owe anything. I have been fighting with BBVA since this happened years prior and am not sure why this is now just appearing on my credit as of XX/XX/2020. I have tried every route I could think of and was transferred and hung up on so many times I was at my wits ' end until my sister told me about CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: SYNCHRONY FINANCIAL
State: PA
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:
A fraudulent charge was placed on my card. Here is the latest info I sent the company : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX The Charge to my account, XXXX XXXX dated XXXX for XXXX to PayPal is fraudulent. I have never held any PayPal account tied to this credit card. Any additional PayPal charges are likewise fraudulent. Further, since you were notified about this first on XX/XX/XXXX, there are no grounds for the late fee you have tacked on.

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 2021-12-12
Company: Navient Solutions, LLC.
State: MI
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 rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Also, according to 15 usc 1692e this alleged debt is false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I disputed this a couple of items back in XXXX and transunion said they will not report XXXX on my credit report. They did not do what they said they would do. 
My cash number with you all is 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 2015-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A few months ago ( for the first time ) a tax lien appeared on my credit report from 2012. I immediately disputed it - only to have Transunion update it as " paid. '' I do not dispute that there is a case and docket showing where a lien was filed and then paid. I dispute that the filing ever should have happened. The tax assessors office admittedly did not mail the notice to the correct address - prior to filing the lien. It is my position that because this was the tax assessor 's office error and not mine - it should not be on my credit report. Moreover, Transunion has an obligation to ensure that the information they are reporting is valid. I have requested the investigation notes, persons interviewed and have not received that information yet.I only get general language about how investigations are conducted in general. Transunion has failed to verify this information and are only reviewing that it was filed. I have also reported this to the XXXX ( Case XXXX ) and with CFPB ( XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On Thursday, XX/XX/2020 at around XXXX XXXX  ( XXXX ), I attempted to link my PNC account to my XXXX account for the 5th time. The service, XXXX, used to connect them said that PNC blocked the action from happening. After phone calls with PNC, still nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have uploaded the document from XXXX as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that XXXX is looking for is DOG LATIN also called American Sign Language, " GLOSSA, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find Dog Latin explained in the Article : 11:147 Chicago Manual of Styles : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at Blacks Law dictionary 4th edition. 

The DOG-LATIN text is found on the tombstones of a grave. XXXXog Latin is the engraved image on the tomb, the written text of the dead. It is debased Latin, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of Latin, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

XXXX  keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.

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