BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: SC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-02-13
Company: Experian Information Solutions Inc.
State: NJ
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:
The following inquiries continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these inquiries must be verified ( A ). I will bring legal action against you if you do not verify these inquiries. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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 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 2022-02-14
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed out of {$14000.00}. This is the website that a scammer told me to go to and link to my Coinbase wallet : https : //mcdex-defi.com At first, they allowed me to mine USDT from the website and they said I could transfer the money to my wallet, where it would be safe. I did just that, a few times. The wallet got up to {$14000.00}, and when I tried to transfer more money into my wallet, they said I could not until I added $ XXXX to my wallet. I did not do that and told them I would not, and then all of a sudden they stole my {$14000.00}!!! Can you please help me to recover the funds? I would think Coinbase would stand by their wallet security. I opened a case with them but they dont seem to be cooperative. Please help. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
Someone opened a bank of America card in my name on XX/XX/XXXX. I called them immediately. 
They said they would close the card, open a fraud claim, and send me the information used to open the card. 
XX/XX/XXXX I called to check the status and they said no one opened the request. I spent almost an hour and a half on the phone being passed around and around. 
I was then told I have to send a copy of my driver 's license and social security card in the mail ( some said maybe fax ) to get the info. I said I'd like a different option like going into a branch location for them to verify my identity and they said no. I'm not comfortable sending those XXXX pieces in the mail or to any company in case they are breached. Because then the bad guys have more of my info. 
They cited a XXXX decision to ensure the identity of the person but in today 's day and age anyone can get copies of those things. It's 100 % guaranteed if I go to a branch they can confirm my identity. Sent copies by mail could be anyone. 
They need more options and I need the info used to open the credcard in my name

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 2023-01-30
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ XXXX ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ NEED THIS ACCOUNT REMOVED FROM MY PROFILE IT KEEP REAPPEARING. LOOKING TO BUY HOME SOON. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2018-03-21
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a funds transfer ( ACH ) out of the account ( Coinbase/GDAX ) on XXXX XXXX - XX/XX/2018 UTC for the amount of {$10000.00}. ( Transfer ID : XXXX ) ( Case # XXXX ) It has been 3 weeks to date. I have had multiple phone calls and multiple emails, with basically no information. All that was said, is that " a specialist is looking into it. '' The emails were exchanged around XX/XX/2018. ( no information ) I have a record of them. 
I have made 3 phone calls to Coinbase support over the past 3 weeks with no information given. 

My bank, XXXX has not received the funds yet. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have attempted to make payments on my loan in advance because I use my home as rental income property and I never know when a tenant might not pay. I attempted to pre-pay my loan on two occasions and the mortage company promised to apply my extra payments to future months but they didn't. I have called and open at lease 10 cases for them to correct the issue and they always promised to correct the payments but they never did. They keep using the payments for principle payments, which, i didnt request. After spending months calling back and forth, finally after 60 days for them not doing it, they now tell me, its been 60 days and now we can't remove a principle payment to a monthly payment. They basically lied to me. The last time I did the extra payment, they told me since my mortgage payment had increased, I needed to make another additional payment of {$270.00} in order for them to apply my extra payment to a future month. I made the additional payment and they took that and applied it to principle also. Now they tell me there is nothing I can do.

XX/XX/XXXX - regular payment made of {$2500.00} XX/XX/XXXX - Additional payment made of {$2500.00} ( They applied to principle and refuse to correct it ) XXXX regular payment made of {$2500.00} XX/XX/XXXX - Additional payment made of {$2500.00} ( They applied to principle and refused to correct it ) When I called them in XXXX still inquiring about why they didnt apply the XXXX payment correctly, they told me it was because the monthly payment increased to {$2800.00} and I would have to make an additional payment of {$270.00} in order for them to apply the payment to a future month. On XX/XX/XXXX, I made the additional payment and once again, they took the {$270.00} and applied it to my principle. Now when I call them, all they say is. its been past 60 days, nothing we can do help you. This is a total scam because I have called them over 25 times ( within the 60 day period ) and requested the funds be applied to future months. When I requested they send me the phone conversations between myself and their agents, so that i can prove they lied to me, they refuse to do it. I have requested a supervisor 11 times and no one will return my call or speak to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Need all fraud alerts removed from all three credit bureaus it is affecting me from getting approved for credit

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Not working sick with XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit card companies harassing me nonstop calls. Sent letter by my power of attorney to negotiate debt, they dont want to work with me but keep calling non stop. I am sick!!!

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 2022-10-04
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested a refund on XX/XX/XXXX under the CARES act and was quoted 4-6 weeks for the refund to be sent back to me. I called last week ( XX/XX/XXXX ) and was given zero extra info besides that there was a remark about the refund being filed. I have also sent an email requesting info and have gotten nothing. In two days will mark 6 weeks without any updates or movement. I was told to receive an email with an update when my refund was accepted but haven't even gotten that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee from Credit Collection Services showing we had a contract as well as the agreement between Credit Collection Services and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of Ml as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX in the amount of {$16.00}. I reached out to XXXX XXXX and asked do they sell debt they stated no ( I'm well aware of my HIPPA laws ). I could sue Credit Collection Services for violating HIPPA laws. Credit Collection Services has violated multiple HIPPA laws and I have my lawyer on hand to sue Credit Collection Services for the violations of my medical rights. Also their information has not been reviewed by a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
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. 
Account name : # XXXX XXXX Account name ( XXXX  XXXX ) : # XXXX XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) number XXXX Account name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX of a 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 2023-02-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Contacted Creditor/Agency and asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Information not correct reporting wrong amount incorrect information on all of credit reports

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 2023-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Dear CFPB. It has come to my attention recently that Bank of America had reported delinquencies to my XXXX credit reports for XXXX of 2014 after I paid my cards off in full at the branch for {$1200.00}. I was unaware that there was any more of a balance because I had not received my statement for XXXX. Unfortunately they had charged me interest on top of my annual fee that month and I was left unaware and had not received any phone calls or letters following up on this unfortunate situation. I was not given any tpe of grace period to make-up for the unseen payment and this has absolutely devastated my financial profile and I am now unable to financially do anything as this XXXX small lost statement has tanked my credit score. This is unbelievably unfair and I even sent Bank of America a long and detailed letter explaining my situation and the sad situation where their statement had not been received after I had paid the card off. I feel as though they have no sympathy or an understanding as to what I had to go through to find out that their interests and annual fees had accumulates unseen. This is simply not my fault, these things happen and I requested that Bank of America change their past due reporting because I had not received any warning phone calls, and heads up or any concern from them regarding this. I am and always have been a loyal customer and they sent me a letter claiming that I am repsobile for this late but I am absolutely not. Once it came to my attention at the branch that I had unseen balances on this card I made a large payment to cover it all. I am very financially responsible and this was not my fault. Even at the branch i was not told that I had any minimum payments to pay and I was aware that i had a zero balance after making a complete and full payment the month before. It is completely unfair that after a few days of not receiving a payment this company neither contacted me nor did they follow up with me, they simply sent me into default for that month. They have charged me over {$200.00} in fees that year and this is unheard of and I ca n't understand why. They did this and now i have a balance even higher than i suspected on a month where i received no statements or email regarding a payment that was due. I asked whether my mail was returned and no associate was aware nor had they any answers for me. Please investigate this situation for me. this is not fair at all.

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 2023-10-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom this may concern, In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. Everything has to be 100 % accurate on my credit report. Experian and XXXX are reporting this account which should've been removed from credit report. This account is over 7 years old which is past the statue of limitations, this debt is considered time-barred. This is illegal and is grounds for removal immediately.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, My credit reports states there are 2 missed payments on this account. 

I am directing you to remove ALL late payments on this account and update my credit report to paid as agreed pursuant to Federal Law under the Heroes Act. 

The Heroes Act states ; Negative consumer credit reporting during the COVID-19 pandemic is SUSPENDED. PLUS an additional 120 days. 
The Covid 19 pandemic was declared over on XX/XX/2023. 
120 days from XX/XX/2023, is XX/XX/2023. 

The Heroes Act also declares that adverse information is prevented from being added to consumer credit reports TO PREVENT ruining credit scores. These two late payments injured my report and must be removed. 

Also, Credit score furnishers are prohibited from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

Additionally, this account is paid up to date. 

Thank you. 

Attached you will find the following ; 1. HEROES ACT 2. Image from CDC.gov declaring XX/XX/2023 as end of Covid 19 Pandemic 3. Image proving XX/XX/2023 as 120 days from XX/XX/2023.

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