BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
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: Investigation took more than 30 days

Complaint:
Problem : - XXXX XXXX XXXX incorrectly report " DELINQUENCY '' to all the credit bureaus for a mortgage payment for XX/XX/XXXX when it was paid. 
XXXX XXXX XXXX XXXX incorrectly reports " DELINQUENCY '' to all the credit bureaus for a mortgage payment when the loan is transferred to another bank. 

What happened : - I purchased a home at the beginning of XXXX and XXXX XXXX XXXX. was the lender. 
- I set all my auto mortgage payments through XXXX XXXX XXXX website, and all mortgage payments were paid on time ( please refer to the attached documents ). 
- On XX/XX/XXXX, I made my XXXX and XX/XX/XXXX mortgage payments through auto payments ( please refer to the attached documents ). 
- On XX/XX/XXXX, XXXX XXXX XXXX sold the loan to another lender ( XXXX XXXX ) and stated the mortgage loan is being transferred, effective XX/XX/XXXX. After this date, a new servicer will be collecting your mortgage loan payments from you ( please refer to the attached letter ). 
- I contacted and complained regarding the issue back in XX/XX/XXXX ; however, the problem was never solved. 
- As of today, XX/XX/XXXX, the delinquency still appears on my credit report and has caused my financial issue because I wanted to purchase a new house, and the lender raised my interest rate and is in danger of being refused the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase has not responded to any inquires about my account and has essentially stolen the money in it. I hadn't used my account in about 4 years and no longer had access to my email used to create it but I did have the same phone number. I also had legally changed my name in that time. I submitted all documentation to Coinbase regarding my old name, new name, and inability to access my old email and they have never responded. After I called they said I would receive an email to unlock my account within 24 hours but again they sent it to my old email that I can't access. They are stone walling me so they can keep my money on their exchange padding their numbers, since they're worried once I get access to it I'll pull it out. I didn't know who to contact but read online if the company won't help the CFPB will. I just want my account unlocked and access to my funds. I recently received an email on my new address saying that there was suspected fraud as someone tried to transfer out nearly XXXX dollars worth of bitcoin. I contacted them again after this and was given the same " will send an email within 24 hours ''. It's absolutely ridiculous. And since I did get a fraud alert email to the updated one, it means they do have it they just choose not to use it for anything that could lead to me regaining access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have called Equifax to remove inaccurate inquiries in my account over 4 times in XXXX these Inquiries are unauthorized, illegal, fraudulent, and blocking my obtaining personal and business credits and loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a XXXX party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous XXXX, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX XXXX XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. You have XXXX XXXX to correct the account listed below : 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 2019-07-30
Company: Experian Information Solutions Inc.
State: FL
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 requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX   XXXX XXXX ( ORIG CREDITOR : 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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXXXX/XX/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 2023-05-10
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-01-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX they charge me an annual fee for XXXX and on XX/XX/XXXX they closed my credit card account I asked them if I need till to pay the annual fee they told me NO Then I got a late fee and it's keeping on my account that I am late they won't be able to remove the annual fee till 51 days after closing so my credit report will get a bad credit history

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 2019-06-15
Company: Experian Information Solutions Inc.
State: ND
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 spoke with XXXX XXXX from XXXX and informed her that I had received a letter from her that XXXX was to be removed from my credit report and yet was still on there, XXXX informed me that she notified all 3 bureaus on XX/XX/XXXX and again on XX/XX/XXXX electronically that they were to delete the trade line and that she was going to send all three bureaus another electronic message to delete the trade line but its still on all three credit reports. I have the letter from XXXX stating it should be deleted.

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 2023-05-10
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
In XX/XX/2023 I received a Cash App Visa Debit card I did not apply for, nor did I want. After calling them, back and forth emails, document uploads, etc., the card/account was closed ( after about two hours of my time ). I expected never to hear from them again ( I have a credit freeze and fraud alert on my SSN ). 

In XX/XX/2023 I received a second Cash App Visa Debit card I did not apply for, nor did I want. After calling them again, explaining this is the second time they have sent me a card I did not apply for, their response was : No problem, just spend two more hours jumping through all the hoops again, and keep your fingers crossed we don't send another card next month. 

These business practices are highly questionable if not illegal. 

I told them they created this problem twice, they have all my information, close the account. They refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX at XXXX PM at XXXX XXXX  located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, I purchased shoes for {$140.00}. I was never given a receipt for my purchase. The shoe size was incorrect. Asking for a return from the manager was denied because " they have no proof of purchase ''. I asked how I was supposed to provide proof of purchase when they denied me the means to provide it ( no receipt ). Manager could not answer, my return was denied. 

I reached out to my Apple Card XX/XX/XXXX to open a dispute. I needed a copy of my receipt in order to transact the refund. Apple stated they will begin investigating right away. They requested documentation proving I reached out to XXXX XXXX to resolve the issue. I submitted phone logs showing multiple conversations with XXXX XXXX where they explain the will resolve my issue and contact me at a later date. I call 4 separate times, on XXXX, XXXX, XX/XX/XXXX and XXXX at XXXX XXXX corporate number ( XXXX ) XXXX. 

Apple Card gave me receipt after 90 days, and refused to elaborate further as to why it took the company over 90 days to produce a copy of the receipt. Apple  refuses to explain why they did not provide the receipt, nor do they give a reason explaining XXXX XXXX lying and explaining 4 separate times that someone would reach out. 

On XX/XX/XXXX, I spoke with an Apple Card specialist for an hour and explained that there is nothing I can do. I explain to him the multiple laws stating that is it illegal to refuse a receipt in purchases, but the Apple Card rep did not seem aware of laws. I've wasted hours of my life trying to explain to Apple how fraud works.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX I was scammed money out of my banking account. When I called my bank, they said my money will be refunded if I didn't make the transactions. Chase reimbursed me money and then took it back from me. Chase told me to get a copy of my police report and I did that and I got a lawyer just in case for legal purposes to cover my end. Over {$3000.00} was taken from me. Chase told me that my money was not coming back to me, stating that the investigation was closed and the supervisor told me to move on I was not getting it back at all. when i tried calling the establishment where my card was used at each manager told me a detective would have to come and get video of the person who use my card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Southwest Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am disputing this debt because I do not owe it. I have never lived at the address you reported to XXXX and Because I am disputing this debt, you should not report it to the credit reporting agencies. 
Collection reporting on my credit file by SOUTHWEST RECOVERY SER for the amount of {$570.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Recently I've opened a checking account with Bank of America and yesterday I made two atm deposits in the amount of {$100.00} each ( {$200.00} total ). 
Since I bank with XXXX XXXX XXXX XXXX but live far from a physical branch, after making my deposit with Bank of America I proceeded to make a phone transfer through XXXX XXXX XXXX XXXX in the amount of {$200.00} from Bank of America to my XXXX XXXX XXXX XXXX account. 
After entering my debit card information to process the transfer, the automated voice said that there was a problem with my transfer and the transaction was not completed and funds did not post to my account. 
I immediately checked my Bank of America account and noticed that my balance was showing XXXX and my {$200.00} funds were no longer available. 
The {$200.00} was showing as a pending transaction on my Bank of America list of transactions, so I contacted XXXX XXXX XXXX XXXX to find out why my card funding transaction was not posted to my account and spoke to XXXX, who just told me that there was an address mismatch, but she said that she does not work day shifts and didn't know how those transactions were processed. 
Today I contacted Bank of America XXXX XXXX to find out the reason why the {$200.00} transaction was showing pending, but funds that should have been posted immediately to my XXXX XXXX XXXX XXXX account for those types of transactions were not showing there. 
I was treated with very little respect and on a condescending way by representatives who did not resolve my issue or offered any resolution for my problem. 
I then contacted XXXX XXXX XXXX XXXX again and spoke to a representative who told me that Bank of America declined my transaction and funds will not post to my XXXX XXXX XXXX XXXX. 
Since yesterday my funds in the amount of {$200.00} are missing and both Bank of America and XXXX XXXX XXXX XXXX keep pushing the situation to each other and I don't have a reverse credit on my Bank of America account or a credit on my 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 2022-12-30
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed the complaint back in XXXX and a response was " human error '' due to the mortgage being transferred to XXXX XXXX XXXX XXXX  has to refund me since I was forced to pay {$120.00} extra. it is 6 months now since XXXXXXXX XXXX claim nothing from the round point

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 2022-05-16
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 public record XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX Are all Fraud accounts and Public Record. 
15 U.S.C 1681 section 605B states the of information resulting from Identity Theft. I was XXXX XXXX XXXX when these Fraud accounts and public record was Incorrectly and Fraudulently was placed on my credit report. These items has hurt my credit integrity and has stopped me from receiving jobs, apartments, and the chance buy a car. These Fraud items needs to be REMOVED and DELETED from my credit report to show accurate and true information on my credit reprt.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 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 2023-06-17
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxx XXXX XXXX XXXX XXXX XXXX xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

Company response to consumer: Closed with explanation