BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
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 an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: EQUIFAX, 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: MI
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2021 there was a fraud committed on my account where fraudulent checks were in my name, not signed by me and deposited into my mobile banking account which made me delinquent to XXXX shared between my checking and savings. There was no investigation done on my case and I don't have the money that put in the account and taken out. I am not sure what to do. I want to keep my bank account and love Navy Federal 's services but they have not been any help within this situation and I need help with this Identity fraud. I am a full- time student and full-time employee I am very frustrated about these circumstances. Please let me know what I can do to get this cleared and not sitting on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
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:
THIS INQUIRY DOES NOT BELONG TO ME, I WOULD LIKE THIS TO BE REMOVED PLEASE. 

NAME : XXXX XXXX XXXX XXXX XXXX XXXX 
DATE : XX/XX/2019 2019

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 2021-03-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This is regarding my Coinbase account.

My cell phone was stolen and as a result I had to switch to a new cellphone however maintaining the same phone number.

As Coinbase uses an authenticator application to verify ( which was in my old cell phone ) I can no longer access my own account.

After repeated contact with Coinbase help desk I only receive emails that someone is looking into it, but no results.

Surely there has to be a company policy in how to deal with a stolen cellphone issue like mine and resolve that quickly. 
Please help XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07
Company: CARVANT FINANCIAL LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
OnXX/XX/2018 the transmission on the car blew. Dealing with both the bank and car dealer it turned out that there was a scheme to prey on poor people in the income tax season. However, the bank lied about helping me with repairs, but wouldn't help after I sent the car to XXXX XXXX and the car was fixed by them. It was impossible to come up with the amount they were asking for to put down towards the repair bill due to me taking a major loss of employment due to the car transmission blowing I had no way to work. The car was sold to the repair shop with the title and all. I no longer feel I owe them anything because the car was sold for XXXX . I financed this car in XX/XX/2018 at XXXX XXXX who mysteriously vanished after scamming people out of their money in XX/XX/XXXXor XX/XX/2018 after the income tax season ended. They are reporting this car to the credit bureau as late payments when they know darn well the car been sold to the repair shop. I don't care what they put it as, but tell the truth it was a repair lien held on the car because they refused to pick the car up from the repair shop as they did previously with XXXX XXXX. What a coincidence they were willing to drive all the way from New York to have their mechanic take a look at the car to say the obvious. The transmission needed to be repaired. The car was returned back to me in Connecticut, but they refused to pick it up from the repair shop after saying they would cover the cost and add it to my loan. I don't feel as if my children and I should have to continuing suffering because of poor customer service businesses who choose to scheme on the poor. I hold carvant responsible as much as XXXX XXXX. I would like to be treated fairly they were wrong. I asked can they trade the car both the bank and XXXX XXXX kept lying on one another saying they were waiting for some mysterious person to be contacted which never happened then XXXX XXXX went missing boarded their business and DMV couldn't say why, but I'm sure it was because they could no longer do buy here pay here business and the CEOsaid he would stop doing business with them as well. I am also 100 % sure carvant filed it as a loss on their taxes because I made it very clear I would never pay the cost of XXXX XXXX on a car I drove for 97 days. I even asked to be brung to court because they threatened me daily but it didn't happen yet. This has ruined my life and my children life because I don't have transportation to work a job, get to and from schools and daycare, grocery shopping etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: MOHELA
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: Their investigation did not fix an error on your report

Complaint:
First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. Secondly, MOHELA mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. I am demanding that MOHELA produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). What I am demanding right now is that you guys delete the MOHELA Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2021-07-03
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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: AES/PHEAA
State: PA
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:
Reached my XXXX required payments for Public Service Loan Forgiveness as of XX/XX/21. Qualifying payment count confirmed by company on XX/XX/21. Contacted Fedloan Servicing for info on when to expect my loans to be forgiven processed and removed from my credit on XX/XX/21. Was advised by agent will review account and put packet together to send to the " government ''. I will be entering a 6 month review. I asked where in writing the 6 month rule was and she couldn't provide this information. 6 months is an excessive amount of time to forgive loans already taken 13 years by mismanagement by the companies handling PSLF. I wish for my forgiveness to be approved and expedited within 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was a victim of identity theft, I have a FTC report which I will include in the document. I also sent this document to the credit agencies and they have been aware of this but, they are still showing it on my consumer report. It has been over the time period for allowed investigation and they still are reporting it. At this point they are intentionally reporting inaccurate information or not properly investigating and it has tremendously cause emotional and financial XXXX  and 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 2023-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America has had my business account under XXXX XXXX frozen for over 4 months. The bank hasn't sent a single correspondence explaining why the account was frozen or provided a resolution to resolve the issue. Instead, they have told the account is under investigation, in closing procedure and there's nothing I can do about it. This is unacceptable. There is a significant amount of money in that account and this is affecting my family 's and my own livelihood. I am desperate and lost. I need your help to pressure Bank of America to communicate with me and to let me know what they need to complete the investigation and release my money. I did not commit any crime and I've been treated as such by this institution.

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 monetary relief
Consumer complaint received 2020-01-01
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was approved with XXXX XXXX for loan modification in XX/XX/XXXX. 1st Trial plan payment was paid XX/XX/XXXX and XX/XX/XXXX. In midst of loan modification approval, my loan was serviced transferred to Midland Mortgage. I created an account online for Midland mortgage and saw that the loan modification was denied, but it stated that I had until XX/XX/XXXX to turn in the sign trial plan without having to reapply for LM. So I emailed the signed trial plan to Midland mortgage on XX/XX/XXXX to the email address the representative over the phone gave me, but as of XX/XX/XXXX the loan has not been reopened so I can complete my final trial plan approval. I would like for Midland mortgage to reopen my LM application so I can pay the final trial plan and complete my modification approval, but  they are not cooperating. They are requesting that I reapply for LM.

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 2024-01-04
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called on XX/XX/XXXX  to open a fraud claim under the case XXXX, a few days later I received teh affidavity letter and noticed that the representative made a mistake and didnt include all the fraudulent transactions on the claim, so I sent a letter explaining the situation. 
Now the claim was denied and I can guess was because that mistake. The answer from the bank said that the card was present and with chip at the moment of the transactions, the chip can not be duplicated. 
I never been to XXXX XXXX and XXXX. 
My card was lost and I reported to the bank as soon I noticed on XX/XX/XXXX trought the online banking and proceeded to lock my card. 
I called the bank today XX/XX/XXXX, and after 1 hour 15 minutes talking was almost impossible to get a solution. My time is money, and I cant wast it in all of this inneficiencies and negligences.

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 monetary relief
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: ME
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:
Spent 3 plus hours of and on the phone with equifax. I was trying to have them update a Creditor input and was told only the Creditor could call them to update. They would not help. So I spoke with the Creditor and multiple agent confirmed they had already sent the update to the Bureau and it was up to them. I called back and spoke to multiple supervisors and was told there was nothing I could do or no one I could speak to expedite this. I was informed over and over again the the Creditor could update it. I was then told I could upload the settlement letter to them for faster update and I ask how and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. 

This accounts and Inquiries has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian, I disputed XXXX XXXX XXXX XXXX as an fraudulent account. All Experian did was add an fraud alert to my report but did not delete or block the account. This account is also attached to the inaccurate address XXXX XXXX XXXX, you have listed. Ive filed an FTC report listing that address and this XXXX XXXX XXXX XXXX account in which I mailed in to Experian, along with my proof of identity. This has been an ongoing battle. Each time I get requested to send in more documents, I fax them it and to get the same results an updated account with no changes to my report. This is very frustrating and embarrassing. How is the consumer ( me ) being protected if the bureau ( Experian ) is being allowed to break the laws. If an item on your credit report is inaccurate or incorrect then it should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, from XXXX I temporarily lifted freezes at Equifax, XXXX and XXXX. Because I was able to open the new account soon after, I thought it would be best to re-freeze all three. I had no trouble logging on and placing immediate freezes on the XXXX and XXXX websites, but there was no option to do so on the Equifax site. 

Because I learned in XX/XX/XXXX that my ID had been stolen, probably a result of the Equifax breach, I keep it frozen whenever possible. When I called Equifax today to ask why I could not end the temporary freeze early, and freeze again, the rep took all my personal info, had me answer security questions and then told me it would take XXXX business day before my account could be frozen again. When I asked to speak with a supervisor, I was placed on hold for XXXX minutes before being disconnected. I have to assume that the only reason Equifax can not allow consumers to immediately refreeze is that they are involved in some ID theft ring and I hope the FBI is investigating!! Thank you!

Company response to consumer: Closed with explanation