BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello, I have a complaint about Coinbase. 
At beginning of XXXX, Coinbase started to review my account and leave a message : " Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status ''. I submitted a ticket to get help and receive replies On XX/XX/XXXX, " Hello, Coinbase Support resolved and closed your case '' Case # XXXX. In fact, my account still under review nothing changed. And I sent several messages and received the same content '' Coinbase Support resolved and closed your case '' Case # XXXX # XXXX # XXXX # XXXX # XXXX. More than 70 days have passed, Coinbase didn't do anything, my account still XXXX to trade and withdraw. 
During this period, the market went up and down, my account balance from {$57000.00} down to {$41000.00}. I lost the money. Now there are many people who have the same situation as me. We all work hard to earn money and invested in Coinbase, dreaming to make the quality of life. Don't break my dream. please help me get back to the account!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened a credit card account with Capitol One Bank in XXXX. The account number is XXXX. In XXXX, I made a cash advance in the amount of {$30.00} and when I paid my bill for that month, I made sure to pay the account balance enough to cover the cash advance. As I continue to look at my Capitol One Bank bills with the hopes of paying off my credit card balance, I realize that after 6 years ( XXXX - XXXX current ) Capitol One Bank is still charging me the cash advance interest for that {$30.00}, in fact the interest is estimated to be around $ 40+ dollars a month for that {$30.00} from 6 years ago. 

When I tried to address it with the bank, they kept me on hold for hours and never returned to the phone. 

As I calculate the cost, I have been charged nearly {$5600.00} over the last 6 years for {$30.00} in cash. 

This is unlawful and must be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: GA
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:
I am a victim of identity theft. I already contacted the credit bureau agency on XX/XX/2023 and again on XX/XX/2023 through certified mail. However, they sent me an updated credit report stating the accounts have been verified. I need to have these accounts removed they are not mine. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX I also submitted my identity theft report from the Federal Trade Commission, and my husband 's police report to the company, and they are still reporting inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage ( Based in NJ ) - I refinanced through XXXX XXXX XXXX late 2020, my mortgage was then sold to PHH mortgage. PHH requires signed " ammendments '' to be able to make online payments. I have sent these amendments multiple times ( signed and completed ) - if you do not sign them they require a XXXX XXXX XXXX or a check ( this isn't the 90 's, I don't have a check book or time in my day to figure out XXXX XXXX  ). I have sent the amendments 3 times this month and my account is not updated. They are now calling me saying I have late fees. They will not take payment over the phone and they will not update my file. I have spent hours on the phone with them and they will not fix it. This is a common issue with PHH ( read the reviews ). This is going to negatively affect my credit score. I am trying to pay but they simply will not let me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My mortgage was sold to another mortgage company. Equifax reduce my credit report by 21 points and refused to investigate and correct this situation after talking to them over the phone. They place the blame on the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: TX
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:
In contempt of several attempt the following items still appeared in my credit file, the fact, I had disputed them already a month ago. I've submitted previous complaints also with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by credit agencies. These items were appeared fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to removed the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. Consequently, I am seeking for your immediate assistance to solve this issue right away. I need the following items to removed by the credit bureaus immediately from my report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2023-10-09
Company: Experian Information Solutions Inc.
State: GA
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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 2023-01-27
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
I opened a secured credit card with Discover Bank and paid an {$800.00} deposit, which became my opening balance. I used the card for minimal purchases and made timely payments. I used my card at a gas station, where I believe my credit card information was compromised after seeing a series of charges for purchase I did not make. I disputed the fraudulent charges when I learned of them. In the meantime, Discover Bank did not take any steps to ensure my information was not being disseminated and used. Discover Bank also made the unilateral decision to close the card because I was the victim of identity theft and fraudulent charges were occurring. This card was opened to help me XXXX XXXX and in the end it made it worse. They closed the card which resulted in a declined XXXX XXXX because the account was only months old. And they reported late payments when payments were never late. When I learned of the negative reporting history I contacted discover card. I was told that they no longer keep records after 2 years and they could not provide me with a copy of the records nor could they pull up any records related to this account in their internal system. However, I did have copies of all of my statements and attached them to each my dispute with XXXX. XXXX opened my dispute and submitted it to Discover Bank. The results were unchanged and Discover Bank reported that the negative history was accurate on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Most recently a dispute was opened on XX/XX/XXXX at around XXXX, by the next morning the dispute was completed and against Discover Bank was reported to have responded to my dispute, verifying the negative history as accurate despite not having any records to provide or reference. When I called Discover bank on XX/XX/XXXX to ask about this and speak to someone who could provide information as to their process for responded to credit report disputes. I was told there is no one that I can speak to. Discover Bank should be ashamed that they continue to be adamant on ruining someones credit history without any proof. This is a violation of my rights under the fair credit reporting act. They are causing harm to me. If the CFPB is unable to assist in resolution, I will be commencing litigation against this deceitful bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
Company: EQUIFAX, INC.
State: NJ
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
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:
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 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 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 2021-03-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. The accounts are as follows : XXXX XXXX XXXX  partial account number XXXX ; XXXX XXXX account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX and the following XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix these accounts however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been disputing with Experian as well as the others but mainly Experian. I reported identity theft to them and they are asking me to pay for services to help protect my credit file and lock it, in which I should not have to as a victim of identity theft. They also do not prioerly investigate they will email me days later emails that give the run around instead of doing their jobs. I reported identity theft as well as provided the necessary documents to them. Sometimes they wouldnt even submit the dispute would say its because I have disputed it in the past. Its obviously as reason if Im disputing it again because no proof was provided nor a proper investigation and because im a victim of identity theft this needs to be taken seriously and handled immediately. The FCRA requires credit bureaus to block reporting of information in your credit file that you allege resulted from an identity theft, within four business days after your notification to the credit bureau. It has been more than 4 business days and nothing has been blocked only emails sent about it and emails sent about their job in the dispute process as well as everytime I log in Im on a page asking for my credit or debit card information to pay and upgrade credit services.

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 2023-11-22
Company: EQUIFAX, INC.
State: GA
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX.15 USC section 602 A. States I have a right to privacy. 15 USC section 1681 Section 604 A Section 2 : It also states a 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 USC 1681sw-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 a collection account was placed on my Transunion, XXXX and XXXX  credit reports. I contacted all three credit bureaus for verification and also the collection agency XXXX XXXX XXXX XXXX XXXX about the debt, in return the collection agency sent a list of my medical procedures which they did not have permission to have, nor did they provide a HIPAA release form. Which was a violation of my HIPAA rights, I sent a second letter to the three credit bureaus and the debt collector to notify them of the HIPAA violation, and all three bureaus have past the FCRA 30 day window. Thank your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a consumer and TRANSUNION is in violation of my privacy and does not have my consent to to furnish, have, share, or sell my information. TRANSUNION is reporting false debt that is not verified and is asking for proof of payment. This request by TRANSUNION is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. TRANSUNION is acting as a debt collector and has invoked my rights pursuant to the Fair Debt Collection Practices Act. TRANSUNION has assumed a role and credit reporting is voluntary and solely up to the consumer. TRANSUNION is causing the consumer grave financial harm. TRANSUNION has communicated with an alleged creditor without first gaining permission from the consumer. My privacy has been breached by TRANSUNION and I am immediately demanding that it stops. TRANSUNION CAN NOT TELL CONSUMER THAT THEY DON'T HAVE TO INVESTIGATION WHEN IT PERTAINS TO THE CONSUMER 'S PRIVACY AND CONSENT.

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 2021-03-17
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:
The credit have fail to do their job yet again. I had a debt with XXXX XXXX XXXX account # XXXX. I settled with them for {$390.00} on XX/XX/2020. This was supposed to be deleted and still remains on my reports. Why after several months this is still on there I have no clue. Attached you will find the confirmation letter from XXXX with the proof it was paid. Why is this taking so long to be remove from my reports? I did my part now it time for them to do their.

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