BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Our identity was stolen and used to open an experian.com XXXX account with a fraudulent XXXX account opened apparently in our name. We noticed unusual activity on our bank with XXXX and filed a police report. Doing our due diligence we went on to experian.com to file dispute and put a credit freeze. When signing up it showed we had an existing account with an email we did not recognize. We immediately called Experian to report the fraud and the account that was stolen to utilize our credit report. Experian has not helped us gain back access to this account and we have tried numerous times to explain they opened our credit report to thieves and they have changed our address and email to only their information. They used a stolen checking account with XXXX to open this account. Experian will not do anything to prevent the thieves from gaining access to our information and only will send our credit report to the email and address on file which is obviously the criminals. We can not go on to find out what is on our report with Experian nor can we dispute the inquires or fraudulent accounts being opened. The account was opened XX/XX/2023 and we did not get any notification that fraud was happening until XX/XX/2023. We have filed with the police and FTC when we asked Experian for a phone number that law enforcement could contact them to investigate we were given the general membership number we also asked for an email to file a complaint and they refused to give us one. Experian has exposed us to more fraud and are failing to provide us protection from their own mistake and liability.

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 2021-08-09
Company: CITIBANK, N.A.
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021 I made a purchase from XXXX for the amount of {$72.00} at the time of the initial purchase that amount was taken from my account. On XX/XX/2021 XXXX withdrew from my account {$41.00}. Then on XX/XX/2021 XXXX withdrew {$7.00} and {$24.00}. I noticed those amount totaled my original purchase of {$72.00}. Meaning {$72.00} was taken from my checking account two times for a total of {$140.00}. Upon calling XXXX they stated they needed a fax number or email from Citibank to send a notice of release for the overcharged amount of {$72.00}. Citi bank states its normal for a company to hold funds more than once for the same transaction. I asked if I bounce any checks due to this who would be responsible and Citi bank supervisor XXXX ID # XXXX simply stated well dont pay more than whats in the bank. I asked if I make a {$500.00} purchase would it be acceptable that the merchant held {$1000.00} from my account and he said it happens sometimes. That is totally unacceptable that a financial institution I trust and expect to keep my funds safe thinks this is acceptable when technically thats a fraudulent transaction being that I only authorized it one time. Im filing this complaint with the hopes that the bank will have to change this policy not allowing a merchant to hold the amount of the purchase more than once. Also, if the bank allows it and the bank customer bounces a check due to this that the bank not be allowed to charge overdraft fees and to pay any fees due to the companies to whom the checks bounced. Its my money and I have a right to say who withdraw funds from my account and the amount. Unfortunately the merchant would have been able to send a fax or email to have the bank release the hold on the overcharges but Citi bank does not provide that option causing me to wait 7 business days for the funds to return to my account. I hereby request action be taken to ensure Citibank customers dont have to go through this. 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 2023-01-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts 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 accounts below : XXXX XXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$8300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: CA
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I use a credit monitoring service. This morning I received an email from that service that my credit line with HSBC BANK USA was closed without my knowledge. This account has been open since XXXX of XXXX and has been in good standing the entire time. The account had no balance. 

I was on the phone with HSBC last month on XX/XX/XXXX. At that time the company pulled my credit history and gave me a credit line increase to {$8200.00}. 

Speaking at some length with XXXX different people this morning I was told that the line was closed for lack of use and that I should have received a letter warning me to use the line or it would be closed in the subsequent billing period. 

I never received such a letter. I wasn't given any such notice during my call on XXXX. 

Part of the reason for my call last month was that I knew that I'd be using more credit in the following month to take advantage of some generous offers on other cards and I was adding more credit to not XXXX up my credit utilization ratio. 

Assuming that this was all a mistake I gave each of the XXXX people I talked with a chance to remedy the situation. None did. Indeed they all told me that I'd need to apply for a new card. The final person said that HSBC wasn't accepting new card applications at this time. 

This company is terrible. I did all the things I was supposed to do. I monitored my credit. I over-communicated my credit usage in advance. I use their app. I open their emails. I read my mail. 

I didn't get any notification on the phone with them a month ago, and they admit they didn't bring the subject up. I didn't get any notification by email and they admit they didn't send any. I didn't get any push notifications on their app and they admit there wasn't one. All of my contact preferences on their site are ( and have been for years ) set to email communications and online statements. There are no communications listed from them digitally in their own system for this period. ( see attached screenshots ) For these reasons I find it highly dubious that at a time when they're not accepting new applications, they claim to have sent out a physical letter in the most congested logistical environment in the history of the country. 

As a consequence, my credit will suffer. It will b e more difficult to get credit. It will be more difficult for me to make investments in my business I had scheduled for the new year. It will be more difficult to replace the credit line in part because they made a hard pull of my credit just last month. It will be harder to get credit because a mature line of credit is no longer on my report. 

This credit line should be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Maximus Education, LLC dba Aidvantage
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud said company had 4 days according to the law to remove such items. FTC fraud report on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer. XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is NOT asking for an XXXX report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX XXXX file number 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 XXXX XXXX XXXX XXXX i will be filing for 211 treasury omb forms to audit consumers account. 
XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: In progress
Consumer complaint received 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been with Carrington Mortgage for 17 years. I have taken out loan modifications because of hardship. The time I did the loan modifications it took them 6months and that put me in a position that I could not afford to pay. Therefore, my back was against the wall. However, when I did a loan modification with XXXX they were able to get it resolved in 2 months. I had to take a high interest adjustment and they knew what they were doing. Now, I can understand why they are getting sued, because they do take advantage of hardship with Consumers as myself. I was done wrong and would like to get justified by Carrington wrong doing I can be reach at XXXX XXXX XXXX XXXX. I would like to see if of the Consumers that was mislead you be paid. Carrington is a dishonest company and I hope you can assist all those Consumers who lost their homes and still struggling to pay their loans Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Caine & Winer got this collection from XXXX. My policy was $ XXXX, I stopped my progressive insurance on the XXXX of the 6th months because I did not want to renew because it was too expensive. Still they charged plus over charged me. Please check my screenshot. I do not owe them. I cancelled my policy on the first of the month because the renewal was too expensive. I called them. But the still charged me for 1 last months while I have XXXX when I called them, they said no body stopped my services, so they charged me anyway for 1 straight month. But even over charged. Because my payment was supposed to be {$240.00} They reported {$490.00} and I called them. They said I have to Caine & Winer, but hey I called them they be telling me if I don't pay my credit will be messed up. 

I have enough evidence to make a court claim, I don't ; but they have the power to sit in my report illegally for no reason to destroy my life and future in this system. 

Because they have too much power. I attached all the proofs of what I was paying and where price went up. It was a 6 months policy, I left it on the 6th month. But still they over-charged. They could charge me for the one day of the 1st of the month, but not for this much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Novad Management Consulting LLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband and I had a modification done on our home in XX/XX/XXXX, my husband developed some health issues and could no longer work his part time job, we were happy to learn that we could qualify for a modification to bring our home mortgage down, unfortunately we were not given the full understanding of what this would entail. We are in our late XXXX 's and needed to refinance, we learned that the mortgage company has a lien on our title for XXXX XXXX dollars!! We believe we were duped by XXXX XXXX, we really thought that they were interested in helping us with this, but behind the scenes they used HUD and us to get funds that really benefited them. I have spoken to both the mortgage company and HUD, according to HUD it is all based on the mortgage companies standards for this amount. Had we been thoroughly informed that we would have been responsible for an amount like this we would not have gone through with this modification, they only lowered the bill by {$100.00}!!. I do not believe we should be responsible for paying them this money..Thank you, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had an XXXX charge from XXXX for {$4500.00} to stay somewhere during the month of XXXX. At the end of XXXX, travel restrictions were imposed regarding my XXXX XXXX, as I am XXXX and am in the XXXX on XXXX XXXX. Due to the restrictions, I had to change plans and leave the XXXX for the last XXXX weeks of XXXX. I was prohibited from staying in the XXXX until I completed an additional accrual process for my visa. 
Under XXXX 's extenuating circumstances policy, my situation is eligible for a refund. As XXXX would not respond to my attempts to ask them for this refund, I initiated a dispute with Amex for the amount of {$2100.00} Amex originally approved my dispute for the amount of {$1000.00} on XX/XX/XXXX. However, I then accidentally re-opened the claim so that the full amount of {$2100.00} could be disputed. On XX/XX/XXXX, Amex closed the claim without resolving. This is particularly troublesome as Amex had previously approved the claim, and then they closed it after I reopened it for the correct amount. 
Currently, I have forfeited the {$4500.00}. I am requested that Amex resolve the dispute so that I can recover {$2100.00}. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I believe Coinbase is trying to defraud me and steal my digital assets. I have given them opportunity to correct this issue for about 4 months and they have failed to do so.

Re : Case # XXXX - Re : DO NOT CLOSE Ticket # XXXX It has Not Been resolved! - Buy/Sell Account and Send/Receive Disabled for more than 2 months with Zero Support from CB - Just ROBO auto responders XX/XX/2021, Ticket # XXXX was opened with Coinbase for Complaint of locking me out of features on my account. My assets amounted to about $ XXXX. Since then Coinbase disabled features on my account Buy/Sell as well as Send/Receive.Coinbase gave no viable reasons. I have repeatedly created tickets and got no help from Coinbase just the same Robo message that someone will contact me in 5 business days but its a lie!!!! 
On XX/XX/XXXX, they closed out ticket # XXXX and claimed they had resolved problem which was a lie I checked my account and the problem was not resolved. I reopened Ticket # XXXX and reiterated that they hadnt resolved my problem and to keep the previous ticket # XXXX opened. 
On the subject date of XX/XX/2021, I had added a new card payment ; my bank completed a purchase transaction into Coinbase account and Coinbase debited my account for the purchase - I have attachments to prove this. I then further investigated with my bank on XX/XX/XXXX and they confirmed that my bank 's customers have been experiencing a lot of payment issues with the Coinbase platformCoinbase isnt synching their security payment confirmation system with the banks. That is no fault of mine as a CB platform user! CB gave no reason why they are removing me off its platform, CB has prevented me access to my assets and from utilizing my assets to capitalize on investment opportunities for more than 4 months! CB has caused me emotional and financial stress. I can't transfer my assets or even withdraw to my bank ; CB enabled only Coinbase Vault account to force me to deposit into their custody account. 
Then funny enough and miraculously on XX/XX/XXXX they advised me to update my card that was expiring ; I did and their system won't confirm the 2 deposits they sent into my account!!! It just said Card verify failed. My identity has been verified multiple times and Okd by Coinbase. On XX/XX/XXXX, Coinbase sends me My account has been verified and I can now invest BUT it's still the same thing, My Buy.Sell as well as Send.Receive buttons are still disabled. COINBASE PLEASE ENABLE MY FEATURES SO I CAN ACCESS MY FUNDS!!!!!! I NEED TO GET THIS PROBLEM RESOLVED AND PROPERLY COMPENSATED FOR LOSS OF INCOME OPPORTUNITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: GA
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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