BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: INVESTORS BANK
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied online XX/XX/21 to Investors Bank XXXX XXXX XXXX XXXX XXXX, NJ XXXX for a XXXX XXXX XXXX XXXX based on an offer they made me. On XX/XX/21 at XXXX Reference Code is : XXXX they told me I was turned down and would have to wait on a letter in the mail in about XXXX days for the reason which I never received. I followed and messaged them about XX/XX/21 and received no reply to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am dealing with the death of my grandfather who just died last week I told XXXX bank I will contact them after I finish handling these family emergencies

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I finance a XXXX XXXX XXXX with XXXX XXXX XXXX. When I finance the vehicle, I was in the middle of a chapter XXXX bankruptcy that discharged in XXXX of XXXX. XXXX approved me for the loan I had an approval from my trustee as well. After financing the vehicle with XXXX, they reported to my credit for a few months. Then I noticed they stopped reporting. I called XXXX to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do XXXX   XXXX for a living. I have had multiple customers in bankruptcy that were approved by XXXX the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of XXXX XXXX XXXX. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.

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 2023-08-08
Company: Experian Information Solutions Inc.
State: IL
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 2022-12-12
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX. 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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 a account without my written instructions

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 2021-03-21
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My employment direct deposit was loaded to my American Express Bluebird card on Wednesday XX/XX/21 and my fiancee 's 3rd Econonic Impact payment was set to be deposited on Wednesday XX/XX/21 but they decided to Permanently Suspend pending an investigation of my account on Friday XX/XX/21. Now I have the remainder of my employment direct deposit ( roughly {$100.00} ) and my fiancee 's stimulus payment ( {$1400.00} ) just sitting there frozen. I have called multiple times and they just tell me that they have no response and post a new ticket for an investigation. So I have around {$1500.00} just sitting in this prepaid AmEx Bluebird account that they will not unfreeze or disable and send me my money that they are just holding hostage from me. So I'm reaching out to you guys before finding an attorney and taking legal action against this company. Please let me know what you and or I could possibly do about this situation as my family is serious struggling in this impacted economy. 
Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX I filled a dispute with netspend because I was requesting money to play XXXX XXXX XXXX XXXX. It would let me get the money I requested maybe 3 time Then the other times I would request money netspend would pay XXXX but the money never went to my XXXX account. I disputed 5 transactions online because that all it would let me do. So I call customer service and was advised to do my dispute through email along with my screenshots showing payments taken from my account by XXXX and at the same time denying me to play on there site. I did more then 20 transitions in a period of a few days. I thought the money would automatically go back onto my netspend account that's why I did so many but it never did. Customer service have been giving me the run around they have been so rude I have never been treated like this before with any company that I do business with.

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 a account without my written instructions Enhanced Recovery I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-03-03
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
During the Covid-19 pandemic. I had trouble paying my mortgage. I reached out to then BB & T for a deferment payment plan. After agreeing verbally to a deferment, multiple attempts to receive the necessary paperwork to make it official seemed to get lost in the shuffle. Attempt after attempt different reps telling me there sending new paperwork out and still nothing came. Recently I made a payment of XXXX on XX/XX/22 with rep XXXX XXXX. XXXX also stated that the merger between BB & T And Truist may be the reason behind the miscommunication and that she would personally have someone to look into fixing this issue. And she called back a week later saying she exhausted all of her options and that somebody else would be reaching out shortly and never did. Also XXXX XXXX is another rep to claim to help but XXXX said she didn't do anything on my account. Other reps also called but they would let the phone ring enough to hang up or if I answer would hang up in my ear..

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 2023-06-14
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have a problem with my paypal account after i recieved money to take care of my brother who's not well.y first time of using paypal i was unable to use the money, paypal shouldn't be treating the users like this! My paypal name email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 
XXXX XXXX XXXX : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, this is my XXXX attempt at resolving this issue. I mailed in a letter to dispute some fraudulent inquiries on my credit report. XXXX XXXX ( XX/XX/2022 ). XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX finance ( XX/XX/2022 ). XXXX auto ( XX/XX/2022 ). All these inquiries were made without my consent by a unknown person or business. Please Remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: ERC
State: OK
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX  & Account # XXXX XXXX XXXX XXXX Account # XXXX Enhanced Recovery XXXX Account # XXXX XXXX XXXX XXXX & Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX and have violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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. 1666 B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-30
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase response given on XX/XX/XXXX to a prior complaint : " Dear XXXX XXXX, Review of your account shows that you have regained access to your account, as confirmed in support ticket # XXXX. While we consider your complaint resolved, we have determined that your customer experience was not up to our standards. Coinbase has credited your account XXXX XXXX in compensation for your unsatisfactory customer experience. Please reach out to our support team if you have any further questions. Thank you for your patience and cooperation with this matter. '' Sincerely, Coinbase Regulatory Response Team Coinbase did credit my " XXXX '' account {$25.00}, but that is not the problem account. My Coinbase traditional account, which is the first account that I opened with Coinbase is the Problem account. Given I have not been able to login to my traditional account since XX/XX/XXXX and the amount of effort I've made to get this resolved with Coinbase, the {$25.00} credit is like a smack in the face. I've made it clear time and time again to Coinbase that the only reason I opened a XXXX account was to hopefully use that account as some type of assist to get me back into my traditional account. So far, that effort has been a waste of time. 

Again, I DO NOT have a problem logging into my XXXX account. It is my Coinbase traditional account, which was opened on XX/XX/XXXX with my first purchase in this account being XXXX XXXX at a price of XXXX ( XLM ). 

My other holdings in this account include : XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX and XXXX. 

Coinbase has instructed me to only respond to the email thread below with any future questions, but I have asked dozens of questions over the past couple months using this email thread and I do not receive a response. Some of the questions are the same questions asked again and again. Due to this fact, I have attempted to file a new case numerous times, sometimes via my XXXX account as well, and each time I do, I receive this same automated response below. 

Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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:
I am writing to dispute the following information in my file. I am a victim of Identity Theft which i believe came from Equifax Data Breach. I filed an XXXX Identity Theft Report XXXX. I recently received a copy of my credit report from XXXX and Equifax. Both credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please see attachment with the list of inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was lied to when applying for the credit card. I was told 0 percent apr but I continued receiving interest charges. I spoke to a supervisor and I was refunded for them and promised a 0 percent apr again but the interest charges started again. Another issue I had was that they locked my card before I hit their promotion offer of spending XXXX dollars. They made it incredibly difficult to verify my account by asking me to mail back a security letter with my social security number. By the time I was able to do it the promotion had expired and I did not receive the promotional offer. I've already lost my patience after this last interest charges ( XXXX and XXXX ) but they would only refund one month. I dont intend to pay one cent of something I did not agree to.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

has violated my rights. Or list of inquiries 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