BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We have been working with US Bank since XXXX of this year, XXXX. Our actual loan officer has been decent, and explanatory as we are first time home buyers. The woman who is under him that collects documents and is the one more in communication with you has failed to communicate through the entire process. Received all my documents vis US Bank portal ( w2s, tax return transcripts, employment letter ) all as of XXXX XXXX. Our closing date was supposed to be today XX/XX/XXXX at XXXX. Friday the lady in correspondence called and said I didnt provide my previous addresses for tax transcripts so she was able to pull them. Putting blame on me, I then screenshotted the email that had my previous address in it AND her response ( XX/XX/XXXX ). Needless to say, I had to go onto the IRS site and request the last 2 years for her. I had them sent to her at XXXX ish MT time. Yesterday XX/XX/XXXX, I got a call saying everything was a go for our signing today XX/XX/XXXX at XXXX. Great! We have driven 12.5hrs to do this and taken off work. At around XXXX the lady calls back to tell me the money that was gifted was unsecure and we couldnt close. She had all the documents and statements last Wednesday XX/XX/XXXX, I spoke with her several times, and this information was never mentioned. She tried to play it off again as if it were my fault. So here we are 12.5hours from our previous home and unable to sign and move in to our new home. Her superior, the loan officer contacted me and said there should be no reason we cant close as scheduled today because all the documentation has been provided. This has been such an awful experience as first time home buyers, id never wish it on anyone.

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 2022-09-02
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX has three collections accounts for XXXX XXXX. XXXX has no collections accounts for XXXX XXXX. In addition, one of XXXX Collections Accounts is for the same account dollar amount and with the same original company being owed {$63.00}. This is obviously a duplicate account. 

Collection account is for XXXX XXXX, 2017 from XXXX XXXX for {$63.00}. Second collection account for XXXX XXXX is for exactly the same amount of {$63.00} and filed one year after original collection was entered into XXXX system. Obviously a duplicate derogatory account and this is not allowed under federal and state laws. In addition for the same time period, there are no collections activities for XXXX XXXX for the last 7 years. All credit reporting agencies need to report the same collection activties and in this case, the lack of any collections per XXXX for XXXX XXXX- please see attached proof of no collections activities for XXXX XXXX at 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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and TransUnion credit bureaus XXXX XXXX, XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, and XXXX  XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: World Omni Financial Corp.
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 status incorrect

Complaint:
I relentlessly have been trying to get " XXXX XXXX '' to update my account to the 3 Credit Bureaus. I was in a car accident XX/XX/XXXX. My vehicle was totaled. I had proper car insurance with XXXX and I also had XXXX insurance that I purchased when I first financed the vehicle. XXXX and the XXXX insurance took care of the amount left that was owed on the vehicle. I only had ONE payment left to pay and that was the pay-off amount ( {$440.00} ). I paid that amount. When I finally was ready to go shopping for a new car ; they pulled my credit report and it shows that " XXXX XXXX '' has not updated my credit report since XX/XX/XXXX ( way before my car accident ) and it 's showing that I still owe on the vehicle and that I have late payments! I need for " XXXX XXXX XXXX '' to update my account with the 3 credit-bureaus already. When the insurance companies did their part and I made my last payment they immediately closed my account because obviously we were done doing business ; but they have not updated my account. This is not fair and it is a burden on me because I am a XXXX old living with XXXX and I 'm unable to get another car at the moment because " XXXX XXXX XXXX '' is affecting my credit score. I have to XXXX to work and XXXX which I receive three times a week while I am waiting on a XXXX XXXX. Having to continually push off getting another vehicle is frustrating, especially when my account is PAID OFF and I owe nothing. I need help resolving this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act the Dept. of Education/ AidVantage, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a XXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

XXXX XXXX XXXX XXXX XXXX  lexisnexis all guilty and have lied to me on paper about what they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi ... I have been receiving notices and excessive amount of phone calls regarding the debt I already paid for 4 years ago. I did a XXXX procedure with no insurance and as been a cash customer I have given a discount of {$1000.00}, I have a invoice showing the discount and have sent them to the respective companies requesting for that same payment. My account was paid in full in 2014. I really do not understand why this amount has gone to the collections department when I have sent various letters and the invoice to show them that it was a DISCOUNT given by the branch I was been seen at. 

Despite providing everything I still receive phone calls daily and notices regarding the amount. Please help me to solve this ASAP.

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 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused 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 2021-04-16
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I'm having issues with Coinbase. They had an offer to complete a course on a new coin they were offering so i did it and the next day I was charged {$50.00} worth of that coin. Which I never agreed to buy this was on XX/XX/XXXX. They charged an old bank account i had left connected so the payment failed. I contacted them the next day and they said i had to pay to keep my account active. So I did and as soon as the payment went through they fully blocked me from my account on XX/XX/XXXX. I then submitted another ticket with my concern where they said I should receive a response from a " Specialist '' in 4-5 days. It's now XX/XX/XXXX with not a single response from my first or second tickets. I have XXXX XXXX and XXXX XXXX on their platform making my account worth well over $ XXXX. This is putting my business in a big bind not being able to sell. I've already lost a huge deal on a new piece of equipment I have been trying to get for a month because i wasn't allowed to pull my money out. I've been emailing them daily I have attached the email string to show how unresponsive they are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-26
Company: JPMORGAN CHASE & CO.
State: IL
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:
I have to dispute one basic charge with Chase Card Services but because there are some extra transactions ( both charges/rebills and refunds/credits ) that may interfere with their ability to make simple judgements, they are still unable to figure it out after almost four months. 

Basically the dispute is about a prepaid reload card purchase at XXXX. On XX/XX/XXXX I made a purchase totaling {$58.00}, of which {$53.00} was for a prepaid card that was not working. On XX/XX/XXXX I went to XXXX, they charged me another {$53.00} for this same card and the card was still not working. Also on XX/XX/XXXX, XXXX provided me one refund of {$53.00} on-site due to the {$58.00} transaction that happened on XX/XX/XXXX, but never provided me any refund for the {$53.00} charge that happened onXX/XX/XXXX. As a result, I should have got another refund of {$53.00}. 

On XX/XX/XXXX I, for the second time, disputed the {$53.00} ( XX/XX/XXXX ) charge with Chase, it resolved with me retaining a full refund for the {$53.00} charge and therefore Chase granted me a credit of {$53.00}. However as of XX/XX/XXXX, Chase later removed this credit because they mistakenly think the merchant had already provided me this refund as they see a {$53.00} credit on XX/XX/XXXX. 

In the end, I should not be responsible to pay the {$53.00} portion of the {$58.00} happened on XX/XX/XXXX ( merchant refunded this one ), and I also should not be responsible to pay the entire {$53.00} charge happened on XX/XX/XXXX ( Chase is supposed to grant me a credit for this one ). The removal of the credit onXX/XX/XXXX essentially makes me pay an extra {$53.00} to Chase. 

Full version of this incident is attached in document.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-06-01
Company: SYNCHRONY FINANCIAL
State: NC
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:
The account was with Care Credit. I had this account over 15 years ago. The account was deleted from my credit report previously. However, it is reappearing on my credit report and they are refusing to remove it. They have sent it to collections. I have not had Care Credit ( Synchrony Bank ) since the early XXXX. My son was under XXXX years old when I had Care Credit. He is now XXXX years old. How much longer will I have to deal with this?

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 2022-09-02
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed some information, account 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 or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove this files. Fraudulent account : US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$25000.00}. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: SYNCHRONY FINANCIAL
State: CO
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:
I was the victim of credit card fraud when I received 4 unsolicited and unauthorized CareCredit cards in the mail and charges were already made to the card in the amount of {$18000.00}. Synchrony Bank did not exercise reasonable care in issuing the cards or authorizing the charges. I also believe that Sychrony Bank and/or JC Penney had a breach that they have not reported to the public ( since that is the only other business I had with them ). 

On XX/XX/XXXX, I received 4 unsolicited credit cards at my home address, one issued in my name, the other 3 issued in the names of 3 other people I do not know and who do not live at my address ( each one had a different last name and none were the same as mine ). On the same day, I received a letter from Synchrony Bank advising of potentially unauthorized charges on these cards. They also advised that because I have a JC Penney card, I " do business '' with Synchrony Bank. During the call, I closed and blocked the unauthorized credit cards and my JC Penney card. 

On XX/XX/XXXX, I called Synchrony Bank and advised that I did not apply for or authorize these cards. I was advised that charges in the amount of {$18000.00} had already occurred on XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ( before I received the cards or notification of unauthorized fraud ). 

Synchrony Bank was negligent in issuing unauthorized cards they did not verify and in allowing unauthorized charges on the cards ( especially since the charges were made without having the cards in hand and without direct authorization from me. I also believe JC Penney and/or Synchrony Bank had a breach of personal information since that is the only other business I had with them.

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX R XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$370.00} ; XXXX  XXXX Balance : {$630.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX XXXXXXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXXXXXX XXXX  XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-08-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a XXXX XXXX XXXX XXXX XXXX card through Chase bank on XXXX XXXX XXXX in order to earn the XXXX mile bonus they were offering if your spend {$3000.00} in the first 2 months possessing the card. I previously had this credit card, but was eligible for the bonus as I had not received the bonus in over 24 months. For the first time in my life I was denied credit with the the stated reason being " Too many credit cards opened in the last two years associated with you '' ( XXXX ). It is true that I go from card to card to earn these sign up offers, but my credit score is XXXX and they are just denying me because I do not carry a balance, nor do I keep the card beyond a years so I do not incur an annual fee. 

The firm did not provide me with a copy of my credit report. They did not provide a phone number or email to contact them. They simply made this decision not to honor their offer because it would cost them money that they would not get back in margin, interest, and fees. They should not be allowed to make such an offer, if they will not honor it for all potential customers whether they will be revenue generating or not to Chase. 

NB : I closed a different credit card the day prior so that I would have no net increase in credit line

Company response to consumer: Closed with explanation