BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: Coinbase, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX the following charge appeared on my Coinbase Card : {$13.00} Merchant : XXXX  Date & Time : XX/XX/2022 XXXX XXXX Asset : USD Coinbase fee : {$0.00} Total USD : {$13.00} I contacted support via phone and email on XX/XX/XXXX and XX/XX/XXXX. Phone support assured me they would investigate. Email support seems to have no record of this. In addition, they asked me for more information. All of this information was already provided in the first email, the phone conversation, or obvious from context. For example, I informed them in the first email ( and on the phone ) that the card was in my possession. Or, regarding whether this was a recurring charge or I tried to resolve it with the merchant, I don't know who the merchant is ( and certainly couldn't figure it out given the paucity of information they provide in the statement ) and it's obviously not a recurring charge, since I don't even recognize the charge. Every time this happens with a reputable card issuer, a refund is issued while the investigation occurs, but they have told me it could take 90 days. Given their stalling tactics, I would like the clock to at least start from the point of first contact, XX/XX/XXXX, if they do in fact have 90 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 2022-09-21
Company: EQUIFAX, 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:
XXXX XXXX XX/XX/2020, XXXX XXXX started reporting to credit bureaus that I was late. I actually spoke with them doing this time, which they took my monthly credit card bill down for few months but I had let come directly out of account for program people with hardship. I agreed and put my monthly reduce payments on auto pay. In real life I was never late, I tried many times to resolve this issue with them even 2 years ago disputed it with bank statement at that time no resolve to this matter. I would like for incorrect information correct with late payment removed. 


XXXX XXXX XXXX XX/XX/2020 they are reporting that XXXX payment was late on XXXX different student loans I have with them, the loans was in forbearance during that time. I have reach out to XXXX on different occasion but same result incorrect information. I would like for incorrect lates to be removed from my credit reports, which is very damaging to all 3 of my credit reports trying buy house but incorrect information in my credit report is keeping me from doing so. Please Correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
After so many attempts to prevent or stop a foreclosure, On XX/XX/XXXX, SLS sold the loan to themselves. they still have the loan the only change is that it was transferred to another office or department. 
I have called different numbers trying to keep truck of this file. I have finally talked to someone from SLS. the SLS employee sent me a letter that it blew my mind. since I never seen such a letter. 
on the letter they stated that in XXXX they have offered me a loan modification and I have declined. as well as others loan modification offers on XXXX. 
if this is true why XXXX, or XXXX ( agents assigned to this file ), never spoke to me about the modification when I talked to them on a weekly basis. When I begged them to help me to get a loan modification approved. I remember the rudeness of XXXX telling me that " they would do everything on their power to make me walk out of the house without talking a XXXX from it. Now I do understand, they put obstacle to obstacle to make me lose my house. 
Why they never mentioned the letters when I called them and informed them that I was applying for a loan to pay off the second lien with them. I have applied to many different lenders to refinance the house and all the attempts failed. When I started looking from help from those Real Estate attorneys, suddenly these letters appears.

I have offered SLS thru agent XXXX {$40000.00} dollars cash but he denied my offer. 
Who can possible help me with this 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 explanation
Consumer complaint received 2022-11-29
Company: CORELOGIC INC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX as hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CREDCO - XX/XX/XXXX CREDCO - XX/XX/XXXX CREDCO/XXXX XXXX - XX/XX/XXXX I'm not sure why XXXX XXXXXXXX keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for Credo, I don't even know who that is and why would anyone apply to the same consumer that close together?

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 2022-11-29
Company: Rocket Mortgage, LLC
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX as hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX/QUICKEN LOANS - XX/XX/XXXX I'm not sure why XXXX XXXX  keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for XXXX, I don't even know who that is and why would anyone apply to the same consumer that close together?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been battling with false and misleading information on my consumer report for well over a year which has violated my rights as a consumer and caused me distress. I have attached a notice from XXXX to remove all information associated with this company and I have the dispute number to back it up. ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Herrassing phone calls to me, my ailing mother, as well as damage to my credit with refusal to remove. When attempted contacts to get help or assistance, extra fees were added. They made it impossible to pay off, and my credit is permanently damaged. The stress is overwhelming!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove these inquiries from my credit report ASAP. 
INQUIRIES ARE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 1666B : A creditor may not treat a payment on a credit card XXXX account under an open end consumer credit plan as late for any purpose.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After reviewing my credit report, and making multiple complaints. I've found that inaccurate and unverified information is still being reported on my credit report. Reporting dates, as well as open dates are inconsistent, and inaccurate. 

By law, Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

It has been well beyond 30 days, and this information has not been removed. I have provided a screen shot, showing the blatant inaccuracies. And I also have yet to received an original copy of my signature, giving consent to these services and to my personal information being furnished to be reported. I've requested this twice, over the past 90 days. This is a clear act of willful negligence. 

The account in question is : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize the credit inquiries from XXXX XXXX XXXX, XXXX, nor XXXX. 

XXXX XXXX XXXX XXXX XXXX, 2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The companies below have reported inquiries onto my report and I have not given them the authority to do so this was under fraudulent activity authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Td Auto Finance XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, Monday, 2022. I got a notification from my experian app that a new account has been added to my credit file and I had not been the one to open that account. 

It was with Milestone for {$500.00}. I called them and they are aware that the account is fraudulent. It looks like they already paid 1 month off. This is the XXXX account to be opened in my name, using my social. The previous account is with XXXX XXXX Bank, for {$1000.00}. Which the company did NOT remove, for reasons I do not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Bj 's Perks Master Card / Comenity Bank website went down for service, no payments can be made ( payment due today XX/XX/27 ). We have even called the customer service line and as of today, the customer service has been closed due to " unforeseen reason ''. I have tried every possible way to contact them but there is now way. I have gone on to XXXX and see that they are " down due to unforeseen reason ''. And, now my card and my husbands card has been shut down ( being declined ). We can only think there has been a security breach so we have been forced to purchase a credit lock company to protect our credit! I feel they should have to communicate with us, not just shut everything down so we can't communicate with them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: American First Finance, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Attached are images of consumer reviews that relate to this complaint. I've also attached what was handed to me after my transaction with XXXX XXXX, which an envelope and two pages stapled together. I've included my contract, which was emailed to me today from American First. 

On XX/XX/XXXX I called XXXX XXXX XXXX, PA about furniture and financing. They made it very easy, sent me a link to apply for financing. I filled out the app, which only took a few minutes. XXXX XXXX called me advising I was approved. 

Long story short, I got my furniture. I was set up on bi-weekly payments of around {$220.00} ( I can screen shot the payments and send, if needed ). Today, I contacted American Finance to inquire what the deferred interest rate would be, as well as the charge - I talked to a person via chat. They emailed me the contract, which stated interest rate of 169.53 %. I asked the rep more directly what the actual finance charge would be if I don't pay off the balance by XX/XX/XXXX, which is the early pay off period end date. The actual charge is not specially called out, or at least clear, in the contract. The rep told me the accrued charges after XX/XX/XXXX would be {$3000.00}. I used {$3200.00} for financing. Obviously, in shock, I shared my experience on XXXX XXXX XXXX and American First Finance 's sites on XXXX. XXXX XXXX denied wrong doing, attached is also their response.

American First replied to my review- they replied telling me to call and ask for a supervisor. I called and had to leave a voice message, no one has called me back - that was about five hours ago. 

I started to read the reviews on American First. Shockingly, there were other reviews and experiences similar to mine.

So tell me this, how does a company ( ies ) clearly provide its terms, fees, and interest rates in a way that would cause this much harm and confusion?? The information is hidden. 

XXXX XXXX is also responsible. The envelope and the double-stapled pages inside show none of the terms. I was also advised after the transaction that I had 90 days to pay it off. No where was this clear in the application process. 

I don't even know what all to do to help protect other people from these two companies ' practices. I do hope that my reviews and filing this complaint will help these practices to stop and for those harmed to receive some form of compensation. 

Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent an FTC report and Police report and its been over 4 business days and they are still reporting fraudulent accounts on my 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 explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX website stated I can get a pre approval without affecting my credit score. This was not true and now I have 5-6 hard inquiries on my credit reports. I spoke with XXXX the Manager at XXXX XXXX XXXX in XXXX WA, on XX/XX/XXXX and he said that if I dispute the inquiries he wouldnt dispute back.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2022-06-27
Company: National Credit Adjusters, LLC
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: Their investigation did not fix an error on your report

Complaint:
National Credit Adjusters , LLC are attempting to collect a debt on behalf of XXXX XXXX. National Credit Adjusters , LLC and XXXX XXXX is reporting incorrect information to XXXX. On my report National Credit Adjuster is listing the date the account opened as XX/XX/XXXX which is not correct. When I requested the debt to be verified they forwarded documentation from XXXX XXXX with the date listed as opened on XX/XX/XXXX and that it has been in collections since XX/XX/XXXX, but been past due since XX/XX/XXXX. 
There's XXXX conflicting dates on the documentation forwarded to me in their attempt to verify this debt. By law they are required to report accurate information and that's not being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
Hello to whom it concern. On XX/XX/2022 a fraud inquiry was placed on my XXXX XXXX and XXXX  report.. So before the matter can be resolved, the told me to go through this step in order to have the inquiry removed. I don't have knowledge of this inquiry from Capital One. So I'm disputing this as fraud.. So XXXX  and XXXX  refuse to lift the inquiry without this letter.

Company response to consumer: Closed with non-monetary relief