BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: RIGHT START MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid for an appraisal that shouldn't have been necessary, due to being denied loan on information that they had been given from the very beginning. I informed them I was applying for loan under the Independent Administration of Estates Act, that the estate was split XXXX ways, and that under the XXXX had full authority to encumber estate. I also sent copy of my " letters of administration ''. This was all done on XX/XX/2022, after which i was told that my " paperwork was reviewed and looks all in order '', again on XXXX XXXX Credit was also checked and discussed during this period. On XX/XX/2022 was advised " a member of our team called a processor would review documents ''. On XX/XX/XXXX, paid appraisal fee. ON XX/XX/2022 I was denied loan on basis of, part 1,, " Unable to deliver clear title ''. I contend that that reason stated for loan denial, and them having been made aware of title situation from the very beginning, we should not have had to pay an appraisal fee, for a loan that knowingly would be denied. Documents were checked by 2 team members and sent to underwriting, without a clear title, THE document absolutely necessary for home to be used for collateral, on a XXXX  year mortgage loan. After contacting them and informing them that I intended to be made " whole '', and that all i needed was a yes/no answer as to paying me back the " unnecessary '' appraisal fee charged, the response was " probate has to finalized before we could get loan ''. Well, that's false, under the XXXX, with full authority, the administrator of an estate can sell or encumber real property, without court supervision, with consent from all interested parties. And even if true, they knew i was still in probate, and again would make need for an appraisal, irrelevant,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX, I put in an order for {$500.00} of XXXX through my linked checking account. I received a confirmation e-mail at XXXX XXXX EST that day for that order. Following the confirmation e-mail, I received another e-mail saying they were unable to process my transaction due to a mismatching of names between accounts. My account was restricted at this time. The e-mail said to contact support regarding the issue and that if they did n't hear back from me before XX/XX/XXXX, they would cancel the transaction. It also sent a link to verify my identity. I followed the link and process and was told my identity was verified ( with a green check mark ) and to click to continue. The continue button did not lead to another page and led to the browser timing out. I tried multiple browsers to no avail. At XXXX XXXX, I put in a ticket to support and received a confirmation e-mail.
On XX/XX/XXXX, I received a response from support ( XXXX XXXX ) at XXXX XXXX. This was my first apparent contact with a real individual. The response was essentially the same as the auto response I had received 2 days prior and gave no additional information or resolution. At XXXX XXXX, I received two e-mails stating my previous transaction could not be completed and had been cancelled, even though I clearly had contacted before XX/XX/XXXX. At this point, I had chalked the lost transaction up to a loss and figured my account would be unrestricted shortly after following the suggested steps ( un-linking and re-linking the bank account for future transactions ).
On XX/XX/XXXX, my account was still showing as a restricted account. I sent another ticket to support at XXXX XXXX and received a confirmation e-mail. I received a response from support ( Coinbase Support ) at XXXX XXXX It more or less repeated the same information received on XX/XX/XXXX, and again offered not further steps or resolution. This response did suggest to make sure that I had verified my ID with them by submitting my driver 's license. I did check to verify that I had uploaded my ID with them and I found that I had in fact done so in the past and it was showing with my account. The e-mail response ended by asking if I needed anything else, to please reply. Since I had received no useful information or resolution, I replied at XXXX XXXX and AGAIN asked how I go about getting the account off of restricted status.
On XX/XX/XXXX, my account was still showing as a restricted account and I had not received a response to my email on XX/XX/XXXX. At XXXX XXXX, I emailed again and stated to support that I still had not received any assistance or contact regarding my account. I advised that I would be contacting the CFPB on XX/XX/XXXX, if I did not hear from them by the end of the day.
As of XX/XX/XXXX at XXXX XXXX, I have not heard back from support and my account is still restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: KY
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 am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   XXXX   XXXX   -  XX/XX/XXXX    XXXX   XXXX   - XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   XXXX      XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Please remove these inquiries from my credit report immediatel y

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Re : Lowes store card ( Synchrony ) In XX/XX/2019, we received a letter from Synchrony regarding our Lowes account. We have always paid the account on time or within the grace period described in terms. In XX/XX/2019, another creditor marked us with a 30 day derogatory on our bureau report, which was a mistake due to misapplied payment. We have two accounts with the creditor who reported the 30 day derogatory and the creditor took the payments we sent and inadvertently applied to only one account versus both accounts per our instruction, systemically-generating the delinquency. The creditor who made the error sent us a letter, and is remediating ( I actually work for the creditor, have had those accounts for almost fifteen years and never went delinquent ). In fact, I have an excellent payment history on all my accounts with zero derogatory marks. Because we have a high balance on the Lowes card and are in the process of paying down consumer debt associated with a remodel, and due to the misreported item, Lowes shut our card off with no warning and increased our interest rate to over 26 %. I forwarded Lowes proof of the misreported item by the other creditor and they did not take into consideration. Customer service was obstinate and cited a couple times when our payment hit the account a few days after the due date, even though the payment XXXX the account within the grace period indicated on the terms. My husband changed jobs and we had to readjust our spending like everyone else does when a job change happens. We have never missed XXXXne payment or went 30+ delinquent. The person on the other line kept telling us we did go 30 days, so we investigated all three bureaus and our payment history ... she was either mistaken or being dishonest because we also disputed the ridiculous interest rate we were being charged. It is an insult to the consumer to be charged almost 30 % on an account closed by the creditor that never went delinquent and was always paid as agreed within the grace period prescribed.

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 2022-01-18
Company: United PanAm Financial Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The car is inoperable and I have not used it since the beginning of XXXX. I dont know why I have to pay 24 % interest on a loan for a car I can not use. I called on XX/XX/XXXX to make a payment and was granted one month deferment which would be added to the end of my loan term. I still have to it a loan for a car I cant use. Its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: AR
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:
Disputed a bankruptcy that was on my credit report. XXXX  could not verify, so XXXX  deleted from my credit report. Equifax and XXXX   has not deleted this inaccurate, outdated information that is unverifiable. They only sent me a electronic admission stating it was verified, not wet signature verified, no info verified with the courthouse in which it was showing on my credit report, the court house said they specifically will not and do not share information to 3rd parties, or to any parties. I ask for this bankruptcy to be deleted from Equifax and XXXX. Started the dispute XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Commenity Bank/ Bread XXXX was updating their system in XXXX and XXXX. I had a payment due and had trouble trying to make the payment because the system was down for days! I finally got through to make the payment but for some reason Commenity bank never processed the payment so now they are trying to charge me {$20.00} and my payment but I have a actual statement saying I made the payment and Thank You! The statement also includes the new XXXX random fee because I paid my purchase off so I should have a XXXX balance but when I called Commenity said my payment was returned because my bank account was frozen which was not true! I called my bank and they stated the account has never been frozen and that Commenity bank must never processed my payment through my bank. I want this issue resolved because I don't want this on my credit report!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

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 2022-03-02
Company: Credit Bureau of York, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been the victim of identity theft, I tried to dispute with the XXXX credit bureau several times but the refused to remove it from my credit report. I even filled up the FTC report and send it to them but the results came verified. I don't recognize that debt, it's the only debt I have in my credit history with one credit bureau which is XXXX. I don't recognize that debt at all, it's also stopping me from getting an apartment for me and my daughter. Please I really need this to be able address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
did not consent, nor benefit from or authorize any of the following Accounts : XXXX XXXX XXXXXXXX XXXX Account # ending in : 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 explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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. 

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 2022-08-05
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX XXXX has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft 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 2020-04-23
Company: Experian Information Solutions Inc.
State: CA
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:
Hi, I have been trying to get this issue resolved with XXXX XXXX, however they keep on reporting that I have a credit card with them with the balance of {$14000.00}. I have contacted them on multiple occasion advising this is not mine and I'm a victim of identity theft, however they are not doing anything. I have provided them with police report and still nothing has been happening. This has caused me loosing a job and not being able to find a new one. I really need help getting this removed from my credit, as this belongs to someone else. I have frozen my credit and there are several alerts on the report. Additionally there is another company that's keep showing up on my credit report XXXX XXXX, this is also not mine and I have contacted them on multiple occasion but nothing is being done. Also XXXX XXXX is not mine however it seems like they are not willing to address the fact that I am a victim of identity theft. 

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 explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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/XXXX I wrote a letter asking the credit bureaus to investigate this account XXXX XXXX XXXX  Account Number XXXX but I recently noticed another today on my TransUnion credit report by XXXX XXXX Account number XXXX on my credit report because I saw several errors on my credit reports far as names, addresses, numbers and employers.I seen 2 weeks passed I didn't hear a response I figure it maybe got lost in the mail so I sent it certified mail I have the reciept with the tracking number that I will upload, The credit bureaus have yet to respond and it has been more than 30 days and I have not gotten one piece of mail with a response also I was currently incarcerated and did not come home until XX/XX/XXXX these account where open while I was incarcerated how is that possible this grounds for removal.They also violated my rights under 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 2. The Law clearly states I have the right to privacy and states that a consumer reporting agency can not furnish an account without my written consent or instructions. I have not given these accounts written permission to furnish these accounts 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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 did not consent, nor benefit from or authorize any of the following Accounts : BANK OF AMERICA - Account # : XXXX - {$1100.00}

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 monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have asked the credit reporting agencies to remove these accounts because the information is inaccurate and also remove these inquiries that were not permissible but they have again ignore my request. The law states that after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall.. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
I have not given anybody permission to review my credit report as well and i have requested that they remove those inquiries but they still remain. I have been trying for several months to get this situation resolved.

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