BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
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 currently have a dispute pending with Transunion and for some odd reason they have placed me in the priority department that has no direct number and when I leave a message multiple times they do n't return my call. If I 'm not mistaken its illegal to have a department without a number. Not to mention I have multiple inquires on my account that I did n't not authorize at all. I would like these inquires removed immediately. No one from the overseas call center or the United States call center has been able to assist because my file is locked. This is very frustrating because the inquires are a result of someone using my name. Transunion told me I have to contact the creditor and that 's FALSE according to the FCRA. The must provide me proof that I authorized these inquiries. I do n't want a computer generated answer back either. I 'm tired of wasting money on certified letters.

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 2021-12-05
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:
Re : XXXX XXXX XXXX. 
This company is reporting late payments on my report as a consumer the are in violation of 15 USC 1681b- Permissible purposes of consumer reports which I did not give them permissible purposes to report.

2 ) 15 USC 1666b Timing of payments.

3 ) SECTION 9-611 NOTIFICATION BEFORE DISPOSITION OF COLLATERAL SECTION 9-612 TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

SECTION 9- 613 CONTENTS AND FORM of notification before disposition of collateral : General 4 ) as a consumer I have the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information 5 ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent. 
6 ) According to 4 USC 1692g this is an alleged debt that only I XXXX the consumer has to validate and I have never validated this debt.

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 2021-12-05
Company: Aargon Agency, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Submitted complaint on XX/XX/XXXX to cfpb, # XXXX. Case was closed without resolution. Requesting immediate resolution. Complaint restated : On XX/XX/XXXX I sent a debt validation request via certified mail to Aargon collection agency requesting they provide me with competent evidence that I have any legal obligation to pay them. I received a letter from Aargon with in the 30 day window on XX/XX/XXXX. Aargon failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulation. I have never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file immediately. 

Company responded on XX/XX/XXXX to cfpb. 

Results : " Our office is requesting the signed HIPAA authorization and financial agreement from our client that the consumer would have signed during their admissions process. We will provide this to the consumer as soon as our client provides the information. '' It has been over 60 days and I have yet to see a HIPAA authorization produced. Please delete this item from all credit agencies immediately.

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 2019-09-14
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a validation of debt letter several times also had XXXX XXXX  assist me with the account never received anything requested also tried to dispute with credit bureau no written correspondence received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have account on my credit report that doesnt belong to me I disputed with credit bureaus and XXXX sent me a notification in the mail with someone elses name on it. Sent validation letter received nothing but a bill with someone elses name on it

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: General Motors Financial Company, Inc.
State: NH
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:
Co-signed XXXX XXXX lease for my son with Gm Financial in XX/XX/XXXX.Total amount of lease totalled {$10.00}, XXXX. It is a 3 year lease. Credit Monitoring company had notified me by email on XXXX XXXX that my credit report drastically change, therefore lowering my credit score. As I looked into, I notice my balance on the car lease went from the original {$10000.00} to a staggering {$19000.00}. Now, let me explain first off that I paid almost the entire lease payments early- minus one last payment as you can not pay off the entire lease early without penalities so I left one last payment. My credit reports for the month of XXXX, and XXXX report only the lease payment balance. I mailed in a big check of XXXX in early XXXX, and then an additional payment on the XXXX of XXXX for $ XXXX totalling {$10000.00} I paid most of the lease off early as I am in the process of buying a house, and wanted to lessen the " debt '' on my credit report by paying down most of the LEASE. I called GM Financial at the end of XXXX as I was concerned they had not UPDATED the fact I made the big payments on my balance. I was informed by GM employee that they report to the Credit bureaus at the very end of the month XXXX or day after. When I checked my credit on XXXX, XXXX I noticed GM HAD NOT REPORTED THE LARGE PAYMENTS MADE 3 WEEKS PRIOR.Alarmed, I filed a DISPUTE with XXXX  stating the fact that the original balance of XXXX should now reflect only {$290.00}. When I got the notice on XX/XX/XXXX from the monitoring agency that my balance went up drastically, I immediatley called GM and was told they must of reported the wrong balance and gave the credit agency the " RESIDUAL '' balance. I informed them that this was a LEASE. I did not sign any contracts stating I am buying the car at end of lease. I would trade it in. I AM NOT BUYING THE CAR. They never reported a Residual amount in the beginning yet they got confused when XXXX called regarding my complaint that I was not credited with making that XXXX, XXXX payment. When the clerk at XXXX asked GM lease  employee what the balance owed was the person actually looked up the residual amount ( had i PURCHASED the car at end of lease and remember, they never reported in the past a residual fee. Always had a original balance of {$10000.00} on my LEASE. I can not get a home now because my debt to income ratio is now off the charts- I went from a balance of {$290.00} to {$19000.00}. GM Financial refuses to clear this up- they said it's a residual amount if i decide to buy itl. WELL, I AM NOT BUYING IT AND THEY NEVER REPORTED THAT AMOUNT PRIOR ... JUST THE LEASE BALANCE WHICH STARTED OFF AT {$10000.00}. PLEASE PLEASE PLEASE CORRECT THE BALANCE TO REFLECT THE AMOUNT OWED IS {$290.00}. I DO NOT OWE {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-02
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed this account several time the same account is reported twice on my credit report

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 2022-04-29
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I called chase and filed a dispute against XXXX XXXX XXXX. They answered the charge was too long ago in writing. Then asked for more info which I sent. They recently sent me another letter and it said claim closed, notifying other credit cards. I was so upset I tossed that 1. Thought I had no recourse. 
I texted them through my account 3 days ago and asked them to reconsider and just to try to back charge the company.. Hoping they would answer same way, more paper trail. But they called yesterday and the answer is NO. 
The charge is for {$7.00}, XXXX. It was made " XX/XX/XXXX '' but XXXX ( time of services ) IS " XX/XX/XXXX '' this year! I put $ deposit another {$200.00}. On A different credit card and have not tried to collect yet. 
I also have Travel ins. Through this credit card. I spoke to them also in XXXX and they say insolvemcy Not covered. The ins. Lady Said she shouldn't tell me this but stick to date of services. I did/have. I called back spoke to a manager got no where! My claim number is XXXX. I am also attaching 2 only paper trails I do have. They never added the amount back to my account as it says in 1 letter either Thank you XXXX XXXX ( aka XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been account holder for coinbase since XX/XX/2021. XX/XX/2021 my account was locked and has been locked for six weeks. I have tried everything on their support platform, yet all i get is that the issue has been resolved and nothing gets done. Their is no customer service number or direct email. I have large sum of money in their account and no one is responding to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-19
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express recently informed me that it sent a {$50.00} check to me and attached a copy of a statement that listed my address. The American Express account statement does not show my correct mailing address that I gave to American Express when I opened an account with them. 

American Express asked me for two addresses when I opened my account : a physical street address and a mailing address. As one of the attached American Express Statements ( Statement_Enclosure.pdf ) indicates the address they have been mailing their correspondence to is incorrect. American Express should investigate what address I provided to them as my mailing address at the time I opened the account. Despite my many reports to American Express that I was not receiving critical correspondence from from and informing them multiple times during XXXX and XXXX about my correct mailing address, they still fail to address the mail properly and this is the first time they had shown me a document that has my address they way they printed it on their correspondence. 

I had not received the {$50.00} check that Amex promised they will mail me and American Expressed failed to perform a due diligence of their system to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Public record information inaccurate

Complaint:
XXXX and trans union are reporting a XXXX  XXXX on my public record on my credit report they know its inaccurate and they refused to remove it the claim to do an investigation but refused to give me further information on how the investigation took place the source of the investigation and who they are verifying through I have contacted the XXXX  XXXX trustees office and got a letter form them stating that I never filed bankruptcy and for some reason this isnt enough to satisfy them this information is incorrect and even XXXX has determined that the information is incorrect and rightfully removed the item from my credit report but for some reason these companies prefer taking faulty information rather than looking at fact I feel they are violating the FCRA act

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 2017-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have two credit cards with capital one each with a paltry {$500.00} limit. As a result of my mother 's XXXX last XXXX I have had to travel frequently to where my parents resided for a week or two at a time. This forces me to pay the total balance on the credit cards multiple times per month in order to have credit for rental car/hotel reservations, travel, etc And though each card has been paid from the same bank account via ACH more than 100 times eachover the course of the year, and the bank account has been verified umpteen times, and there has NEVER been a problem of any kind with a payment,, the computer freezes the payments almost 100 % of the time, with no indication as to why, how long or any other specifics. I 'm always told " it because of suspected fraud '', and since I long realized that the suspected fraud is me paying off the cards, I feel at this point that I 'm being harassed and discriminated against as a result of prior credit issues. 

I have spoke to so many people at Capital One and wasted so much time on this issue that it just simple leaves me numb. I would like it to stop, or alternately to find an attorney willing to sue them on my behalf for discrimination and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2021-06-15
Company: NAVY FEDERAL CREDIT UNION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
My husband and I bank with navy federal. We recently sold out house and receive a {$2900.00} check that we cashed on Sunday XX/XX/XXXX and we called on XX/XX/XXXX to make sure the funds were going be receiving the funds because we have car payments that were coming out soon. They said it should come out between the time frame of XXXX to XXXX standard time that night. We wake up on Tuesday XX/XX/XXXX with our account negative {$5500.00}. We instantly called the bank, my husband called before I did because he has XXXX and I was asleep. But, the lady on the phone with my husband wasnt comprehending there was no way our account was negative that much and she basically told me husband to control his spending. He told her theres no way with the payments we recently made that our account would be negative {$5500.00}, the lady finally found the issue and it was because of our check, she had informed my husband that the check was on a hold a due to the mortgage company sending a confidential message to not release the funds so as soon as I heard that I got on the phone with the mortgage company and they had no idea what this lady was saying, they read the check number off and even said they should not be having issues with the check. My husband gets very upset with the lady because how are we getting penalized for a check we cashed and they are the ones putting the hold on it. How is our account negative because of that. So she winds up transferring her to the manager and the manager basically told us there is nothing we can do. They wouldnt let us know what the confidential message was about even though it was about our account and our check. All together my husband and I are going to pay off all our loans and transfer banks because we have pills and car payments coming out and now our credit is going to get messed up because navy federal can not release our funds and can not give us a very good reason on why not because the reasoning changed 2 times with the female and then 2 times with the manager. We have had nothing but issues with this bank and we are done. We do not recommend banking for a with navy federal they claim they help the troops but couldnt help my husband at all. ( He is XXXX XXXX XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America routinely blocks payment on my debit. I honestly believe at this point this is pure harassment on the part of BofA. 

This last transaction they blocked a {$290.00} transaction. The result of this block was that my order disappeared. I had spent a couple of hours curating this order. Was this order to an online XXXX site? no it was to purchase essential oils at XXXX  XXXX. 

At this point it is just clear that BofA is discriminating against me.

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 2017-09-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX we tricked in refinancing our mortgage muly mother and father are foreign so they barely understood the terms that the wachovia rep was telling them.they said if we had refinanced with wachovia which is now well fargo we would get {$27000.00} check.so my father decided to refinanced with wachovia because we needed money at that time to do some renovations through the house. One month later when i called XXXX XXXX XXXX or who over got my father to sign those papers said that we would get NOTHING IN RETURN.WE ALL SAT THERE SO SHOCKED AND DISBELIEF THAT WE WERE TRICK IN SIGNING OVER TO WACHOVIA TO GET XXXX FOR NOTHING WE WAS PROMISED THAT WE WOULD. Ok now we sign in not knowing it was an adjustable rate mortgage now ANOTHER PROBLEM. Now we heading to foreclosure around XXXX and i just started college and i had to look for an foreclosure agency to help us ..oooo the XXXX had just begin from always missing document and they never recieved thos and that.so now after a year we got a modification but now switch to well fargo so we thought this would be goood EXCEPT ITS AS IF WE JUST PURCHASE THE HOUSE BRAND NEW WE HAVE BEEN LIVING IN THAT HOUSE 16 YEARS AT THAT TIME BASICALLY WE GOT RIPPED OFF.NOW NOT ONLY WE PAYING AS IF WE BOUGHT THE HOUSE OUR MORTGAGE PAY OFF IS XXXX WHICH DOES NOT MAKE SENSE IF WE REFINANCE A 30 YEAR MORTGAGE IT SHOULD BE XXXX IF ITS STARTING IN XXXX BUT THEY PUT XXXX XXXX FAIRLY CONFUSED WHY IS IT XXXX IF ITS 30 YEARS PLEASE HELPPPPPPPPP BECAUSE WE ARE DEFINITELY GETTING RIPPPED OFF BY WELL FARGO BIG TIME

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a problem with a dispute on my credit report. Two collections are a direct violation of HIPAA.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
I am writing due to non-compliance with Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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