BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: FIRST NATIONAL BANK OF OMAHA
State: WI
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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, my credit card has been used up to the limits and none of the transactions were made by me. During those days, I was working and I have my schedule picture. The credit card company denied my claim saying I used it myself since the card was not reported as stolen or lost. I have the card with me in my wallet so why would I tell them its been lost or stolen? I did not realize about those transactions as I dont use my card very often. I called during my work day for almost 3 days talking with different persons, all they wanted is to make me pay the money. Claim investigators didnt talk nicely and properly as they yelling at me for explaining about the situation. I work with {$14.00} one hour how can I use my credit limit on the same day??

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
INFORMATION IS NOT MINES AND SOME OF THE INFORMATION IS REPORTING INCORRECTLY

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 2023-12-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

the Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this ground for removal they also violated my right under 15 U.S.C 1681 section 602 A States I have the rights 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking 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 explanation
Consumer complaint received 2022-01-08
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX DEBT ; Credit Managent LP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Good afternoon, From my coinbase wallet on XX/XX/XXXX {$20000.00} was taken I was told in order to receive my money back I need to pay another {$9000.00}. I was participating as I was told in mining Ethereum coin I was promised to 2 % of income on my deposit on the website XXXX Not at any given moment I gave permission for my money to be taken out of coinbase wallet. 
I tried to talk to customer service but they told me that my money are frozen and need to deposit more money in order to receive my money back. 
As for coinbase they have responded that the money are not insured by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: FL
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX, XXXX, XXXX XXXX XXXX XXXX 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

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 2023-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
I recently filed a complaint in XXXX of XXXX to no avail. I still can not access my consumer credit report on the Equifax XXXX They have continued to request that I mail and upload verifying documents such as mail, photo ID, social security card and other personal identification documents. This has been requested and sent over XXXX times in XXXX years. Since then I have noticed an increasing amount of inquiries, new accounts and phone calls from companies to verify my information for credit purposes. The website since XXXX has stopped showing me my credit report. I have requested my report by mail several times only to never receive it. The only way since XXXX that I have retrieved a copy of my report is by going to the XXXX office and paying for one in person. I believe there is something wrong with their mail and upload system. These faulty practices is what must have contributed to the data breach that I was a victim to during their scandalous breach. 

Equifax does not protect consumers information and is violating my consumer rights by not providing me with my report while charging me for the report and never releasing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This complaint is about Equifax. 

In XXXX the OPM ( office of personal management ) was hacked. A short time later XXXX XXXX XXXX XXXX was hacked.

We put credit freeze on Equifax, XXXX XXXX, and XXXX.  

With the Equifax web sight I has problems and they never sent us a PIN number to be able to lock or unlock OUR data. My wife contacted Equifax for help and after security questions we answered Equifax sent two letters to our mailing address. The one for my wife stated that they had no record of her. How could they have no record of her when she has received a credit report every year for about 15 years. 

For myself, I received an E-Mail from Equifax stating : " Recently, we attempted to deliver a letter to the mailing address on your credit file, however the mail was returned.Please contact Equifax at XXXX  to complete the verification process and begin using your product. Thank you for contacting Equifax. '' My mailing address has not changed from when I received it in XX/XX/XXXX.

Equifax told me in order to receive a PIN Number to mail them information : A copy of my drivers license, My SS #, Two utility bills with my name and and mailing address.

After being irritated for 3 to 4 days because of Equifax, I received a PIN # by US Mail.

Coming from a company that has been hacked and took a very long time to report that our information may or may not have been compromised. They can not even keep our information safe let alone keep track of information that can affect you future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: NV
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 are not my accounts or inquiries. Please remove them.

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 2020-05-12
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient emailed me in XXXX asking if I needed a forebearance. I replied yes. They are now calling me, my wife, my parents asking for money. 

I replied to an email from Navient in XXXX asking them to send me any information I needed to make my account current. They never responded. 

They have destroyed my credit report, and is unwilling to fix it. They keep calling my relatives for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: ARS National Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
ARS keeps calling me. I spoke with a representative on XX/XX/XXXX, and advised HIM not to call. I received another phone call, they left a voicemail on XX/XX/XXXX. They texted me on XX/XX/XXXX and called me 1 time after I texted not to call, I spoke with a woman and advised her not to call. The woman also gave information to my sister, the person that answered the phone and called me a XXXX  and a little girl. She did say the phone call was recorded, so management can go back and listen to the call, however AFTER this incident 2 more calls came in from the company. I am not sure why they are harassing me. Unbeknownst to them I was in the office of a State official at the time, who also heard the call. 

XXXXSince I the last time I told them not XX/XX/XXXX to call and communicate through mail, I have received 13 calls the last one being received today from a XXXX, who stated that " they don't have to stop call until the debt is paid. I advised this is harrasment and was told, what are you gon na do put me in jail. '' This has to be illegal at this point and I will be filing a police report for harrassment and seeking damages via court. 

They also identified themselves as another company ... only after looking up their name via XXXX XXXX  with the phone number was I able to get the correct company name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: U.S. BANCORP
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I went to the u.s bank on XX/XX/2021 and deposited my check into the atm and it rejected my check and didnt give me my check back but gave me a receipt so I waited at the atm for awhile too see if my check would come out but it didnt! So I called the number on the receipt which was XXXX around XXXX. The guy I spoke with told me to go to my bank and they would be able to print my check but they told me the would not be able too and that they tried calling that number and nobody answered so I called that number as soon as we left and they picked up within a minute and told me that we could file a dispute but I did not want to do that because I needed the money rn and the guy I spoke to that night told me they would be able to print me a new one the next day and so far I havent gotten anything and I need my money back!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions 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 opened a account with XXXX  XXXX XXXX in XXXX and i closed the account on my behalf on good terms. if you look at the account i made all on time payments until i closed the account. I went to XXXX XXXX XXXX in person to close my account and the agent cut my card and i thought i was done. turns out the agent never cancelled the account and they charged me a XXXX fee i called and they said it was there fault and they officially closed it but without fixing my credit report. i called in XXXX to fix it and they said they fixed it but ended up using it as a charge off as if i did something wrong.

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 2020-08-03
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: Was not notified of investigation status or results

Complaint:
I recently sent letters on XX/XX/XXXX to to the credit bureaus and they are disregarding a regular consumer dispute. I have sent letters to them prior to this due to this matter that needs to be resolved immediately. The inaccuracies has taken a toll on my life and to not be getting a response is beyond crazy to me. There are laws that they must abide by. 

Today is XX/XX/XXXX and i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get in contact with them and get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter

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 2022-07-26
Company: EQUIFAX, 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:
XXXX reported multiple accounts ( XXXX ) as being delinquent when I was still enrolled in school. I sent them documentation to show I was enrolled at the time. I received an email from them saying they removed the delinquency. I also filed a credit dispute with Equifax. Equifax has not removed the delinquencies. I can forward the email and/or other documentation on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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: Problem with personal statement of dispute

Complaint:
XXXX continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, XXXX refunded the late charges, but still reported us to the Experian, XXXX and XXXX. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped XXXX points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at XXXX and more than 3 internal complaints filed ) to resolve with XXXX and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time XXXX says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our 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 2021-02-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/20 I spoke to and made an agreement with ERC Enhanced Recovery Collections regarding my XXXX XXXX XXXX account. We agreed that if i paid in the requested amount to settle the account they would remove it from my credit and as of today they have not done so despite the fact that i kept my end of the bargain. I am trying to purchase a home for me and my sons and I need this to be removed as we agreed to. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
my account was hacked PNC, in XX/XX/XXXX to XX/XX/XXXX I was contacted by phone that my payments was not received. I contacted the bank and was informed that I had submitted a claim on-line I informed them that I never requested anything. I have been trying to get this resolved. But however, the Bank keeps sending My money to the Merchants and taking my money from the account. They asked for proof that I paid out of pocket. I have sent them a copy, and they still keep refusing to return money back in my account. I keep filing disputes for them to return my money but have not received anything. This is my last resort to file with this company. I am so exhausted and tired of fighting to get my money back from PNC. please help me with the Issues and PNC Bank. They keep reversing the provisional credits and accessing me overdraft and sending my money back to the Merchants. Refuse to speak with me and informing the representative what to tell me. I have not gotten a call or nothing, I have requested someone from that department call me, I am still waiting. now my account is overdrawn by {$1100.00} which was the provisional credit they gave me but I took out leaving the account on {$0.00} because I don't trust this bank now they took back there provisional credits now it remains {$1100.00} overdrawn please help and that's not all I disputed should have been about {$3500.00} returned to me but the only let me get {$1100.00} then took that back I'm living check to check I need all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: V and H Portfolio
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im stating once again this company is an under violation of regulation out of the fair debt collection practices act. I have never been notified about this debt. They can claim they sent all the emails they want to claim they sent. That is not a sufficient initial contact to give somebody the right to dispute the debt either they remove this or I will sue them and Im going to win

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-15
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I first contacted Coinbase/XXXX, which are two affiliated exchanges, on XX/XX/XXXX to ask that they provide access to my XXXX   account. Among other reasons, I need access to my XXXX  account to obtain my virtual currency transaction history that is necessary to complete my tax return. After numerous emails and phone calls with Coinbase/XXXX throughout XX/XX/XXXX and XX/XX/XXXX ( emails attached ), they have still failed to resolve this issue and still have not restored account access. Instead, they have sent me multiple irrelevant boilerplate emails regarding declining to give tax advice ( which I never asked for and has nothing to do with my issue ). At one point, they informed me in anXX/XX/XXXX phone call that they had wrongly cancelled my support request without informing me and for no given reason. They have also stated by phone that their phone support staff are unwilling to communicate with the technical staff members who can fix this issue.

I have informed Coinbase/XXXX multiple times in my emails and by phone that restoring account access was time sensitive so that I could complete my tax return. Despite this and despite the numerous communications I have had with them, they took no steps to resolve this issue and I have been forced to file a tax extension with the IRS. Because this issue is still unresolved, I may be unable to file a complete and accurate tax return even after this extension due to Coinbase/XXXX 's actions. I believe that Coinbase/XXXX 's actions constitute obstruction of tax compliance, a federal crime, and their actions are putting me at risk of facing tax penalties or other IRS action that is solely because of Coinbase/XXXX  's knowing failure to address this issue. I am requesting assistance dealing with Coinbase/XXXX so that they will resolve this issue immediately and restore access to my account so that I can obtain this transaction information necessary to meet tax requirements.

Company response to consumer: Closed with explanation