BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 confidentiality under 15 USC 1681. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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 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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 confidentiality under 15 USC 1681. 

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 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: Lending Club Corp
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
7 loan payoffs were mailed on XX/XX/XXXX to 4 separate institutions. Three to XXXX XXXX, 1 to XXXX, 1 to XXXX, and 2 to Lending Club. 5 of the 7 checks cleared by XX/XX/XXXX. As of today, XX/XX/XXXX, Lending Club has no record of these checks. the loan payoff amount was given for 14 days out. I am of the firm belief they are holding the checks for addional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Hello, I'm sure you have dealt with this complaint before, so I'll simply say it's an issue with Coinbase 's " account under review '' issue.

To elaborate, I was requested by the centralized cryptocurrency exchange known as " Coinbase '', a publically traded company in the US to provide some simple information about myself in an effort to collect data about their users. I'm assuming this is a KYC request. The request was fairly simple and involved asking me what I made, how I was employed, and what I would be using the platform for. Despite the fact that this request was voluntary, Coinbase has kept my account " under review '' for a substantial amount of time. Their message says the review should take approximately 2 days, but it has since been just under one month. Had I not submitted to this voluntary review, I was able to continue using the platform unrestricted until XX/XX/XXXX. 

I have approximately $ XXXXUSD in the account ( depending on how the Crypto winds blow of course ) and that amount was added over a few months. I have created several " tickets '' with the company which were mostly all closed with no explanation on why things were taking so long. 

To be clear, if there's something that needs to be done that is reasonable, that's fine, but there has been no contact whatsoever on the company 's part, and from what I've read online, many people have had this issue for months/years (? ). For this reason, I can only assume that my money is deemed " stolen '' by the company, even if that is not truely the intent of the company. 

I can provide more information upon request, but the form requests that I do not provide personal information. I would request to have CFPB reach out to Coinbase to resolve the issue with the account associated with ticket XXXX. I am not seeking compensation beyond what I have given Coinbase, nor am I explicitly looking to never use this company again for financial services. I hope for a simple resolution to this confusing situation. 

Thank you for reading, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: NC
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 confidentiality under 15 USC 1681. 

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 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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 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 2019-07-24
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hello. 
This is an " Charged Off Account ''. 
To my recollection. This account was opened in XXXX. 

My card was stolen, and I reported this to the creditor 's collection agency, which was XXXX XXXX. 

I just recieved a notice from the New York XXXXXXXX XXXX Department of XXXX XXXX ( received today XX/XX/XXXX ). It was time stamped by the XXXX on XX/XX/XXXX. 

The File no is # XXXX Attorney : Foster & Garbus XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX # XXXX Account # XXXX They have threatened to Garnish my wages. They want to garnish payments of {$330.00} from each of my paychecks ( Bi Weekly ) until the debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 confidentiality under 15 USC 1681. 

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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
Card was opened in XX/XX/2019. Card would not work. Contacted Barclays and CSR informed me to fax a copy of my drivers license and social security card to verify account. Fax was sent XX/XX/XXXX. Waited and called back in early XXXX. CSR informed me that fax was ineligible and requested me to fax it again. Faxed copy on XX/XX/XXXX. Nothing changed. Contacted Barclays on XX/XX/XXXX and they said they hadn't received fax ( I have proof that fax was transmitted correctly ). Re-faxed documents on XX/XX/XXXX. Contacted Barclays on XX/XX/XXXX and CSR says that they still need a copy of the utility bill. This was a new request that had never been told to me before. CSR would not let me speak to a supervisor or escalate this. Now receiving a collections calls due to late payment. The card has a {$95.00} annual fee and a late payment charge of $ XXXX dollars but I can not access this account or pay anything due to the account being locked. I inquired about closing the account and the CSR told me I can not close this account until I pay the {$95.00} annual fee and the late fee EVEN THOUGH BARCLAYS IS  NOT LETTING ME ACTIVATE OR USE THE CARD THEY ARE CLAIMING I OWE THEM MONEY.

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 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I filed for Chapter XXXX bankruptcy protection in the state of Kansas. As part of the bankruptcy, a credit card account that I had with XXXX XXXX XXXX XXXX XXXX, XXXX, Tennessee was discharged. Due to changed financial conditions, my bankruptcy was converted to a Chapter XXXX in XXXX and was discharged as such. Despite being discharged, XXXX continues reporting an unpaid balance on a closed card of {$7100.00} to all credit reporting agencies. When I contacted them in XX/XX/XXXX regarding this, requesting that they remove the balance and properly report the account, they acknowledged by letter that the credit card had been a part of my bankruptcy, but they continued reporting the balance thereafter. Their reporting of a balance appears to be a violation of the FCRA and potentially the bankruptcy court 's injunction. The account should immediately be removed from all of my credit reports as the 10 year period for reporting under a Chapter XXXX has now lapsed.

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 2017-10-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a credit card with TD bank. All my payments in the past have been on time. I missed a payment but never got a bill of missed payment or a notice via mail. I got a call to pay the overdue balance which I did n't know about and I paid in full the entire amount owed not just the overdue amount on the card. I also enrolled in auto pay at the same time so as not to miss another payment. I saw my credit score had dropped by more than 60 points after this and when I reported this to the credit card company they said they could n't do anything about it. I had XXXX complete credit payments on time up to this point and I do not believe one payment missed which I did n't know about after 30 days should result in this consequence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-28
Company: John C. Heath, Attorney at Law, PLLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was wit h Lexington Law sinc e  XXXX . When I sign up for the services I put another credit card which is expired on file. Now I been with this company since  XXXX  the man told me it would  be a one ti me fee of  XXXX  dollars that they would authorized from to take. They took my money my credit report still look the same. When I called this morning to resolve the issues but instead I got a rude lady saying they do n't give out refund so thats on me. When I told the lady that I did n't authorized the transaction she proceeded to still be rude. So then I asked what kind of company that do auto pay do n't give confirmation numbers she said us when I asked for a supervisor I had to wait 1hour for the lady to come back on there saying no supervisor and do n't call back no more. I think its not right. I 'm a single mother of  XXXX  trying to maintain all I want is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: AK
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 below company has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX 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 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 explanation
Consumer complaint received 2019-07-24
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 mailed a written dispute by certified mail for a 30 days late payment to Transunion on XX/XX/19. The receipt shows it was delivered on XX/XX/19. I called Transunion today and was told they received the written dispute along with the supporting documentation but because I did not call to open a dispute then they could not process it. The rep gave me 2 options. I could open a dispute or I could call XXXX XXXX XXXX and ask them to call Transunion to delete the item. I asked why I needed to call to open the dispute when I had already mailed a written dispute. The rep continued to repeat my 2 options. I decided to simply proceed with opening the dispute but also follow up with this complaint as well.

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 2022-01-05
Company: EQUIFAX, 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, the due date as it appeared on my statement, I paid in full the balance on my XXXX XXXX XXXX. Today my new statement was posted and I saw a payment due of $ XXXX. I called XXXX to inquire about this amount and was told it was a late fee. When I asked how there could be a late fee when I paid the previous bill by the due date they said it had to be paid before XXXX XXXX. This is outrageous, there is no mention of any such deadline on the statement, it simply says the payment due date is XX/XX/XXXX. Now that I think about this I suspect this happened at least once before, but I havent had a chance yet to look at my previous statements. When I asked how could I possibly know of any such XXXX XXXX deadline I was told I should have called before making the payment! I am not kidding. There is no way I am paying this fee, if I have to I will go to court over this I honestly can not believe it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XXXX XXXX, XXXX.One of the disputed items is Bankruptcy : Discharged CH-XXXX ref # XXXXwhich according to the court has been dismissed last XXXX XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XXXX XXXX, XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.

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 2021-11-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I'm aware that these transactions is fraudulent [ Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021, Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021, Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021 ] These transactions belongs to someone else and someone has obtained my personal information ( identity theft, fraud, error ). I didn't sign any lease term agreements and I didn't authorize or give permission ( consent ) to XXXX XXXX to withdraw money from my account on any or lease tern agreements. After contacting XXXX XXXX and for further investigation on my behalf, XXXX is the merchant and the address that the item got delivered to was a ( XXXX XXXX XXXX, XXXX, TN XXXX ). I never lived there and I'm not responsible for any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2020 2 female XXXX  stole my card and stole {$6000.00} from me. I was issued the card because I was awarded unemployment due to Covid-19 because of me having a pre-existing condition. The name of the suspects are XXXX XXXX and XXXX XXXX. They both was caught on video using my card and both was later arrested. I have provided all required documents per XXXX XXXX County Police Department and The District Attorney Office to get my money back. Way 2 Go will not refund my money and I don't know why. 2 XXXX  stole from me and XXXX XXXX XXXX has a do not care attitude. It's been a year since this happened and it has turned my life upside down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sallie Mae-Navient lied to get get me to switch my perfectly good account with XXXX promising a very very low payment. They offered me loan forgiveness and charge me {$500.00} to switch my account over locking me into very low payments. I am being way over charged in interest and they are requiring me to pay an incredibly high payment which is not at all what I signed for! My balance on my account does not reflect all of the years of on time payments I have made the amount keeps getting higher! My interest alone in 2018 was {$2600.00} PLEASE PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Seattle Service Bureau, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.

Company response to consumer: Closed with non-monetary relief