BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Due to financial strain, I was forced to sell my home in XXXX under a short sale term. I paid the mortgage on the home till the end of escrow. In XXXX, things got a little better financially, and my family and I started to look for a home to buy. I found out then that there were many derogatory comments placed on my credit report due to the short sale. Comments like, " Account past due, under collection, late 120+days ''. These comments had a drastic impact on my ability to purchase a home. It took me 6+ month to clean up all of these negative inaccurate reports, and mainly with your help. I wrote many letters to the credit bureaus disputing the inaccurate information on my credit report just to go in circles. I learned about your services, and gave it a try. You guys assisted me with the up most professional talent. The derogatory comments were cleaned up from my credit report. I got confirmation from all Credit Bureaus as well as an apology letter from one of the creditors that had submitted such inaccurate information. Quickly after this, I was able to qualify for a home loan and my family and I were happy there after. You think, until few days ago. We get a lot of mail advertising better loan options. Last week, I contacted two mortgage companies to inquire on the different loan options. They ran my credit report, which I though I was in the A++ standards. To my surprise, TransUnion once again has posted same inaccurate information. I found out that my credit score with XXXX and XXXX is above XXXX, but with Transition is at XXXX. How can this be? I thought all of the negative comments were deleted back in XXXX. Last night, I went online to the TransUnion website and pulled up my report. Sure enough, this is what they have posted for the following account : XXXX - account # XXXX. Last payment date = XXXX ; This account has been closed since XXXX XXXX. Status = 120 days late ; I was never late paying any of the payments, and the account closed once escrow closed. 

Because of this, I 've been told by the XXXX mortgage companies that they can not move forward with any loan refinance. I 've back in the same boat as in XXXX. I have a copy of the confirmation from TransUnion dated XXXX/XXXX/XXXX showing the updated information. Now, I have wasted XXXX hard inquiries, spend {$29.00} to pull up my report from TransUnion, when all of this should not be an issue. I need your assistance to get this matter resolve. TransUnion is a bully company and when you deal with them they muscle you around and put you through circles. Americans are being taken advantage by these Credit Bureaus.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL 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 2022-04-19
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had a checking account with SunTrust bank for many years, and the account had no service charges as long as I maintained a balance of at least $ XXXXwhich is the case. Now that SunTrust and BB & T merged to form Truist Bank I was assured there would be no changes to my account. However, Truist now charges me {$5.00} per month for the account. I tried calling Truist to inquire about this matter, but the waiting period to speak to someone was way too long ( hours ). What can be done about this deception?

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 2022-04-19
Company: EQUIFAX, 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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I attempted to Log into my Coinbase account while on vacation in XXXX on XX/XX/2017 and received notice that my account was being suspended pending evidence of my US residence. I immediately provided this evidence the very same day but, now more than 2 weeks later, I am still waiting for restoration of access or any sort of followup from Coinbase. 

The situation has been both frustrating and financially harmful, given the fluid nature of virtual currency trading and the need for a rapid response to price fluctuations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Commercial Acceptance Company
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt Collector called me from a private number. Would not verify who they were but told me I had a debt with XXXX XXXX XXXX for {$210.00}. I needed to pay immediately or they would immediately report me to the credit bureaus. Would not let me call the vendor to verify the debt. Would not let me verify who was calling me. Told me they sent me months of letters in the mail. 

However, the Vendor told me they tried to get ahold of me until the end of XXXX. So the collector only had it for a week or two and thus could not have ever sent me any correspondence about the debt. When I said I needed to verify they told me " Too late! '' and hung up on me. After verifying with the Vendor, I tried to call back and they either never picked up or hung up on me. I left two messages to call me back, and never received one. I called the vendor directly and paid the debt on XX/XX/XXXX. It is now XX/XX/XXXX, and the " delinquency '' just showed up on my Credit Report and was reported XX/XX/XXXX. I have the receipt, they would not call me back or pick up the phone, and marked the account delinquent while violating my rights to dispute, and threatened me with derogatory credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: SYNCHRONY FINANCIAL
State: AZ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2022, I contracted with a metal foundry, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, to produce some small statues for me. On XX/XX/2022, I paid XXXX XXXX XXXX XXXX XXXX {$2200.00} with my Synchrony Bank XXXX XXXX for these services. There were to be XXXX statues made. I sent them the prototype to copy for the statues. When the shipment of statues arrived, we discovered they were of inferior and defective quality from the single sample he showed me via email. We took pictures of the defective workmanship and emailed them to XXXX XXXX who agreed that they did look defective and told me to ship them back so they could " make it right. '' I shipped the defective merchandise back as instructed and then XXXX weeks past with no response, so I emailed for the status of the order. I got an email back stating that the workers were waiting for the owner ( XXXX XXXX XXXX to return and give them permission to work on the order. A few days later I get an email from the owner stating he was only willing to give me a refund of 30 % and he was not going to fix the statues. To be exact, XXXX XXXX emailed me on XX/XX/2022 to say he would be issuing me a check in the amount of {$770.00} for a partial refund. We never received any such check. 
All of this information and supporting evidence were provided to Synchrony Bank and they are refusing to help me with getting a refund from this merchant. Synchrony Bank says the merchant acted in good faith with me, but the evidence shows the opposite.

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 2015-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am being charge for XXXX overdraft transactions, each of {$35.00} by my Bank without me being responsible of such. Just because it was posted. I try to speak to my bank about it with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've had my driver 's license, social security card, checkbook, and several credit cards stolen. Fraudulent accounts have been opened in my name. I filed police reports, fraud affidavits, disputes with creditors of the fraudulent accounts opened in my name and all the credit bureaus. My first dispute of XXXX of the fraudulent accounts with Equifax happened on XXXX/XXXX/2015. I have uploaded all my documents proving the accounts were obtained in my name fraudulently, mailed hard copies, even faxed copies over to Equifax. 
I have asked Equifax to remove both accounts from my credit file, but to date Equifax has refused to do so. I have received correspondence from Equifax stating that it verified both accounts as belonging to me which is false. Had Equifax properly verified validity of both accounts, they would have been deemed fraudulent and removed from my credit file ; the procedure XXXX and XXXX followed, found both accounts to be fraudulent and removed from my credit files. 
Equifax is in direct violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). I demand immediate correction of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
FEDLOAN servicing claims I was delinquent several times, some over 150 days, XXXX times on my credit report. I have attempting to contact them and get this resolved but they will/can not help. I received one monthly statement from them and except for maybe 2 months in each year was behind because I was filing for income based repayment ( IBR ), Deferment, forbearance, which I had been approved for. 90 % of the one monthly statement I received from them had a {$0.00} payment due. Currently my account is discharged due to XXXX and it is no longer with them and all they tell me to do is contact the new creditor, but they have nothing to do with what FedLoan is reporting. Their loan and reporting practices which from what I have read is under investigation has cost me a mortgage, a loan and I ca n't even rent an apartment. It looks like I have not made payments on XXXX separate monthly account statements several times at the same time for 150+ days. This is incorrect and should be considered illegal reporting. By failing to update and correct previously reported information, FedLoan Servicing is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed the accuracy of a XXXX  XXXX credit account and the XXXX XXXX XXXX  loan all in delinquent on my credit file. I have worked with all the parties involved from the credit bureaus to the lenders. I am been penalized for missed communications, billing me at the wrong address, and lastly inaccurate reporting with gaps. All these debts have been settled and have failed numerous times disputing these in inaccuracy affecting me from getting a mortgage. I have attached reports that explain my case.

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 2020-06-17
Company: Amcap Investments, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After we closed on our home XXXX XXXX XXXX XXXX TX ( XX/XX/XXXX ) the very next day, the realtor ( XXXX XXXX ) changed the locked on the home I purchased because XXXX XXXX ( branch XXXX for XXXX XXXX home loans ) said I owed an additional {$1000.00} to the title company. At the time of closing, I paid exactly what XXXX 's email stated I should bring to closing. Then after I closed, the realtor changed the locks on the home. 

XXXX stated we would not have to pay taxes on our home because my husband is XXXX. We lived in the home for 3 months in XXXX and had to pay between $ XXXX {$9000.00} in taxes for XXXX. For some reason at the closing, the taxes were not paid for in XXXX and were charged to us in XX/XX/XXXX. The mortgage company XXXX XXXX   paid the taxes on our behalf ( XXXX XXXX ) but we were unaware that the taxes were not taken care of for the time period we did not live in the home ( XXXX XXXX - XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX admits in the attached letter that it has no evidence of any agreement with me, nor any sales receipts, nor any billing statements. It is using a spreadsheet underlying what it reports as 'verification ' of what it reports. At some point the burden has to shift to TransUnion that must realize if a creditor can not back up that an account belongs to a consumer, it must be deleted.

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 2016-11-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The company that is responsible for providing my credit report can not verify my identity when I try to use their online service to request a credit report. After entering my information this message comes up 'We 're sorry, for your protection we are unable to deliver your Equifax Free Annual Credit Report online. ' If I can not get through their system, how reliable is the information they hold about me and provide other organizations who may be running enquiries about my credit? 
How do I know enquiries on my name are actually about me if they ca n't event get my identity right? 
The only option to get a free credit report is to mail them personal information to a XXXX. This looks like a sure plan for identity fraud. Fortunately, I have some time on my hands so I will be taking it further with all the relevant federal and state agencies. 
Identity requirements from their website : 'Please include with the attached form a copy of one item in EACH of the categories below in order to enable us to verify your identification and address. The item you submit from the " Identity '' category MUST contain your Social Security Number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security Number W2 form Address Driver 's license Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) '

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX Acct # 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 XXXX XXXX XXXX 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any adverse itemo of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax continues to report a XXXX credit card on my credit report as an authorized user. I want this to come off my report as I am not responsible and not an authorized user of this specific XXXX account. I have requested this twice over the past XXXX months and this account is still showing up under my report. 
There should only be XXXX XXXX Bank Credit Card on my credit profile and not XXXX! XXXX is mine and my obligation while the other is NOT my obligation and should be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have been experiencing financial difficulties with this leasing company since I purchase this car. I have been denied to request a new due date, removal of the co-signer of the lease, my contract, and monthly statement correction. There are multiple occurrences of disrespect and dissatisfying customer service. I have made payments for three years and have a large remaining loan to pay because all payments are going to interest.

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 2022-04-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX -Untitled { Medical Subject has not satisfied debt. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 2022-04-19
Company: Source Receivables Management LLC
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i have told them numerous times to stop calling me but they dont they just call from a different number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation