BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX : {$6800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Citi Bank Mastercard just lowered my credit limit at the onset of a national disaster and global health emergency, reducing my buying power and ability to survive during a disaster, for no reason whatsoever. I had just made a {$500.00} payment on my credit card and suddenly I am at my credit limit because Citi decreased itt and I can not use the card in this time of emergency. Did Citi just lower everybody 's credit limit at the onset of a disaster to prevent us from being able to take care of ourselves in a disaster?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: SECURITY FINANCE CORP
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/2022 I had a dealership send out multiple inquiries to different financial institutions. I did not fill out an application, nor did I give permission for my credit to be ran. There was no vehicle that I had applied for at that time. I had visited XXXX  XXXX on XX/XX/2022 and had the finance representative falsify my credit application and forge my signature on the contract. I wrote a letter and mailed it on XX/XX/2022 to different financial institutions and included their letter they sent me declining me for a loan that I didn't even apply for. In this letter I sent, I wrote in bold letters, " I am officially requesting a copy of my specific decline reason ( s ). I am officially disputing my credit application. '' On XX/XX/2022 I received a letter from XXXX XXXX at Security Finance Customer Relations & Consumer Disputes on behalf of Professional Financial Services of VA LLC stating " Since the inquiry was made during the loan process, the inquiry is permissible and should not be removed. '' I left XXXX XXXX a voicemail to return my call. She called me back on XX/XX/2022 and I told her that what she said in the letter was not accurate and I asked where she got her information. She could not tell me where she got her information from. I told her that I did not submit that application and they should have investigated my dispute before dismissing it. I also asked her why I hadn't received my letter with my specific decline reasons and she had no idea what I was talking about. I told her multiple times that I requested to have a copy of my decline reason ( s ) so I could further dispute it. She told me they already sent me the letter saying I was declined. I had to argue with her and tell her she legally is obligated to send me an Adverse Action Letter based off the Fair Credit Reporting Act. I told her I am a manager at a bank and am well aware of the Regulations we have to follow and what my rights are as a consumer. Once I said that, she placed me on hold and came back and said she would send it to me. If I hadn't told her that I knew my rights and named the regulation, she would have continued to refuse my request. How many other people has she turned away that has asked for that.

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 2021-06-30
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. This day over 60 days later, I have not received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my reports. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I will refer to the former complaint XXXX. After still fighting for 3 years to get this account closed for good, it has come to my attention that JPMorgan Chase Bank may have violated the Servicemembers Civil Relief Act ( SCRA ) given that I was XXXX from the XXXX until XXXX. According to their documents, " Your rights under the Servicemembers Civil Relief Act ( SCRA ), similar state laws, and/or Chase Policy will guide what happens with your account. During your active service and for 180 days after, Chase will not repossess the vehicle without your written consent unless it is at risk of loss or damage ''. The vehicle was never at risk of loss or damage and seeing as I never received their correspondence, I also never gave them my consent. I have also come to find that I can file a complaint for this to the US Justice Department. I just want to be let go from this account. This account was even actually closed previously but then they reopened it. I failed to make the payments, yes, the car was repossessed, causing HUGE life-shattering effects, and caused even more hardship and still impacts my ability to apply for loans and mortgages to this day because for some reason the reports say that I am too pay {$5000.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: OR
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:
I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number

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 2022-02-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX, XXXX XXXX at local Citizens Bank asked me if I'd would want the new XXXX XXXX with 5 % cash back promo ( on up to {$6000.00} during first year, then reverts to 1.8 % on everything ). She signed me up for it. Got the card and started using it XXXX XXXX. 
After about 10 days I set up my online account and noticed I was getting 1.8 %, not 5 %. 
There is no other option besides a phone number to contact " Customer Service '', so on my 4th try to speak somebody, and XXXX. XXXX min. on hold, I finally got to explain the problem. The polite man eventually told me I'd start getting the 5 % in about 3 business days, and the difference between 1.8 % and 5 % for purchases already made " would be added to my account in a lump sum ''. I started getting the 5 % on XXXX XXXX. By then I had {$2100.00} in purchases, meaning I was owed {$67.00} in reward cash-back. 
The owed amount never appeared. I called back on XXXX. This guy told me " it would take 2 weeks to get it ''. Asking " why? '' got no answer. I told him " I'll believe it when I see it '' and told him I'd be filing a complaint if it didn't happen. 
3 weeks went by. Still nothing. Called back XXXX XXXX. The " Customer Service '' rep was full of " I'm Sorrys '' but nothing was done to this day. 
It may not be a whole lot of money, that was the deal, then it's part of the contract between the bank and a very good XXXX customer of theirs. I expect it without being lied to by " Customer Service '' people who apparently know nothing and can't fix it themselves. I'm not wasting my time by calling again. It's useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Exeter Finance Corp.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This incompetent company continues to report my balance incorrectly to the credit bureaus. I DO NOT owe the {$20000.00} that they are reporting. This is another example of a terrible company taking advantage of a consumer. This is also another example to validate all the horrible and terrible reviews that you see about this company online. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: NOVA Financial Holding Company, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Description of Complaint : I want to file an unethical and unprofessional harassment complaint against an employee of Nova Home loans. His name is XXXX XXXX and he is a loan officer. 
I was treated rudely and XXXX XXXX would speak to me and lecture me as if I was an ignorant person. He would not speak to my husband that way but because I am a woman, and my personal opinion is he was discriminatory towards me. My last conversation with him via text on XX/XX/23. He was rude, pushy mean and nasty and very unprofessional. I have all the texts to prove his unruly behavior. He needs more training in his field of work especially when dealing with women. There is no excuse for His behavior and I believe it should be brought to his attention with reprimand.

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 2019-08-01
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: Public record information inaccurate

Complaint:
why is this on my credit report? CHAPTER XXXX BANKRUPTY DISMISSED XXXX, I cant locate it with the courts system.. Equifax, XXXX and XXXX did not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
this has been going on for about10 years i even got a lawyer. went bankrupted to save my house so ever thing has past everthing is good and now there doing it again XXXX XXXX from hsbc is sending me letters that i am behind whitch i call hsbc and no one has be behind and they email him to call me but he dose not i call the number hsbc gave me and left message still on one calls he has things on my credit report that should be gone but he keeps them on there

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened up a Coinbase account to trade Cryptocurrencies. First purchase on XX/XX/XXXX. XXXX bitcoin for XXXX. Second purchase on XX/XX/XXXX. XXXX Etherium for XXXX dollars. Sold XXXX bitcoin for XXXX ( after fees ) on XX/XX/XXXX. Sold XXXX etherium for XXXX on XX/XX/XXXX. Currently have {$180.00} in a stagnant USD account on coinbase. I am unable to withdrawal the money to either a bank account or credit/debit card. I have not taken action with the company, because upon research this is not an uncommon problem and the company does not take action when it occurs. Per my research this is the best coarse of action to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am trying to dispute the following charge backs for over 4hours today on PAYPALS your site for charges unauthorized and made as listed below on XX/XX/, were refunded when disputed originally and now charged back by XXXX on Paypal again without reason or investigation results. On Paypal you are instructed to go to their resolution center which I have now for hours without being able to locate these charge backs by Invoice # or dates, then the site does not allow you to see the month when you try and put in the dates and you are not able to send Paypal a message for help.The Charges in question that were originally disputed, refunded then recharged through XXXX XXXX XXXX I am assuming related to Paypal are as follows : the InID # XXXX for XX/XX/XXXX and XXXX are XXXX ( XXXX {$180.00} ), XXXX XXXX {$380.00}, XXXX ( XX/XX/22 - {$420.00} ) & XXXX ( XX/XX/22 {$630.00} ). PAYPAL Mailing address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX or XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX ALL UNAUTHORIZED CHARGES, Your system does not allow me to find each and dispute seperately ... .ALL CHARGES WERE REFUNDED THEN CHARGED BACK BY XXXX- THEY WERE IDENTITY THEFT and I have a case with FTC and Criminal Police Report XXXX. Kindly provide refunds and any information in writing, your site does not provide accesss to file independently. Actually your site can not even find these case #, 's. signed, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. Another NOTE THERE IS NO ONE THAT CAN HELP YOU WHEN YOU ASK FOR HELP ON THE SITE AND PAYPALS CUSTOMER SERVICE NUMBER HAS NO INDIVIDUAL THAT ANSWERS TO ASSIST EITHER PAYPAL XXXX. It is insane the level of frustration to try and contact PAYPAL To resolve anything. Need assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: Experian Information Solutions 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:
I XXXX XXXX sent certified letters in XXXX, XXXX, XXXX, and XXXX of XXXX  about XXXX alleged bankruptcy that is listed on my profile. They said it was verified through a third-party XXXX XXXX and pacer but not the original source and did not do personal interviews. They are violating my rights as those items are not mine plus more than XXXX days about this issue. 

XXXX XXXX removed it and I told Experian and they still said it was verified. 

Also, I sent documentation showing the court did not verify and dates letters were sent. You were to do an audit on this, you will find as true and accurate. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to verify on pacer when it does not show full social security number, date of birth, and other personal information. 

I'm not sure why they said it's accurate but did not verify the correct way and that still shows invalid unverifiable, and inaccurate information.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: CA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-14
Company: Experian Information Solutions Inc.
State: TN
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 right to privacy and confidentiality under 15 USC 1681. Accounts.. XXXX # XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX, # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX. Has violated my rights under sections 15 U.S.C 1681 section 602 A States i have a right to privacy, 15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instrutions,15U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reports containing any of the following items of information any other averse item of information, other than records of convictions of crimes which antedates the report by more than 7 years, U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related 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 2021-06-30
Company: Experian Information Solutions Inc.
State: RI
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:
On XX/XX/21 I had reached out to Experian with my XXXX XXXX at XXXX XXXX XXXX, and was able to speak to a supervisor. The issue we were having is that my credit score wasn't available from Experian when we did a credit check for a mortgage. It was available from XXXX  and XXXX. This is a problem because it isn't reporting for any Banks or Mortgage Companies. The XXXX XXXX also reached out to the company they use to do the credit pulls. It was confirmed with Experian I DO NOT HAVE A CREDIT FREEZE OR BLOCK on my credit report. The response I received from the supervisor was " Oh well, it's not on our end and she hung up '' and I can't seem to escalate because it is on their end. My credit isn't reporting for not just one bank but 3! Please Help me. I CAN NOT get a mortgage if Experian isn't providing the Banks or Mortgage Companies with a credit score!

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 2023-01-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX I called MyXXXX  card to report that my card had been damaged. I specifically stated that my card was NOT lost and had never been out of my possession and I needed a duplicate card sent. I made sure to let the representative know before that my direct deposit would be coming there and I did not want to cancel the card if that is what they had to do because it would leave me without access to my money for 14 business days. She assured me it wouldn't and that a replacement would be sent out. I followed up on XX/XX/XXXX because I had not received the duplicate card and I was informed that the card was reported LOST not damaged and I would now have to wait for a new card with no access. I asked to speak to a supervisor and was transferred. The supervisor advised that he could send out a card overnight to me that day. I asked specifically if the card would go out the next day because now I have no gas and no way to get to work. He advised that it would. He lied because I chatted by the app this morning and the representative lied and said the card wasn't even processed to go out until tomorrow. I called and requested a supervisor and He said that the card had been processed today and would go out in 1-2 business days, which is not overnight. They had repeatedly given wrong information when had I known the correct timeframes, I could have done an ACH transfer of my funds to another card to at least have gas money and food. They have done this deliberately by giving knowingly false information. The first supervisor neglected to tell me that I had called past the cutoff time of XXXX XXXX for the card to go out that day. Had he given me the correct information I could have initiated an ACH transfer out and I would have had money in my credit union account at least by Friday morning and only miss one day of work. As it stands, I will miss four days of work.

Company response to consumer: Closed with explanation