BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
I disputed several times with the agency Navy Federal Credit Union Reporting inaccurate information to the Credit Reporting Agency. I also disputed with my claim with XXXX, stating my claim is disputed and requesting validation of the debt in paticular " FIRST DATE OF DELINQUENCY '' The Navy Federal account " Charge off account '' balance {$17000.00} became delinquent in 2014, account was not brought current. This account should be removed from my XXXX Credit Report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 began disputing an unverified bankruptcy with Transunion in XX/XX/2020. I have sent this institution multiple disputes requesting that the unverified item be investigated and removed from my Transunion credit report. Every time this institution responds with the item is verified and the data furnisher is the XXXX XXXX XXXX GEORGIA. I have reached out to the ( XXXX XXXX XXXX  GEORGIA ) via USPS mail as well as physically visiting the CLERK OF COURT located at the ( XXXX XXXX XXXX DIVISION ) on multiple occasions requesting information on their process of releasing public records information to 3rd party for-profit agencies. Each time I was given the same response, The court does not share public record information with 3rd party or for-profit agencies. I have forwarded the response to Transunion on multiple occasions and requested that the unverified information be deleted from my Transunion credit report. Transunion continues to report the unverified on my credit report as verified and accurate as seen in supporting document # 1 dated XXXX. This is a violation of the Fair Credit Reporting Act. I want the unverified information deleted from my consumer profile immediately and updated. Please refer to the attached supporting documentation.

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 2021-06-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Equifax did not get accurate information regarding a dispute I had on a closed account with ally financial. The auto payment has been active since XXXX. No late payments and was NOT included in my bankruptcy. I have contacted ally financial and they are opening this now. My dispute was closed by Equifax and their information is incorrect. No payment has been included on my car loan. I started with a balance around {$9500.00} and down to around {$4500.00} I have 36 months left on my car. Its never been included in the bankruptcy. The bankruptcy was discharged over a year ago with that information as well. How this cant get updated correctly is beyond me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Yesterday I contacted Experian to temporarily unfreeze my credit report. I then tried to contact them today to freeze it again. What I experienced was shocking. Both their phone system and web site are grossly mismanaged and often don't function. This must be hurting millions of people in the country. The automatic phone system simply does not function. And you can not get through to a live person. I couldn't use the web site because I was not able to set up a membership because of an " error. '' After a couple hours I was finally able to resolve this, but your agency should not be allowing Experian to operate in this way. 

It's not like consumers have a choice with these credit agencies. They collect information without anyone 's permission.

I know that your agency has many complaints against it because you often ignore consumer complaints, but I would recommend not ignoring this one. I have also provided this information to Congress, including the appropriate committee, so you would need to explain to them why you ignored it. In fact, they are the ones I contacted first, and they sent me to you.

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 2022-03-18
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were working with Bank of America Loan Officer XXXX XXXX. XXXX asked us not to use the Bank of America system to load our documents and insisted that we send our documentation directly to him. He also told us to ignore everything the system asked us for and he would provide us with the instruction that was needed. We did as we were instructed by XXXX. 
The day or two prior to closing, XXXX called us and notified us that our loan application was cancelled because he did not provide the documentation that we sent him timely. He also informed us that it would be another month before we could close on our loan because the loan needed to be restarted. We involved XXXX XXXX XXXX XXXX ' manager ) who assured us the ball would not be dropped again. The loan was restarted. 
XXXX then provided a closing date of Monday, XX/XX/XXXX. The Friday prior to that date at XXXX we still hadn't received the closing documents. We attempted to reach XXXX and XXXX with no luck, but we did get in touch with XXXX XXXX. 
XXXX lied and told us that Bank Of America had not received the title and would not receive the title for 2 months pushing our closing out that long. After joining a conference call with our attorney, he was forced to admit to the lie. He had the title and told us that he and the bank operations team would work through the weekend to get the closing documents to us in time to close on XX/XX/XXXX. Today is XX/XX/XXXX. 
We again went hunting down the documents that the bank was supposed to provide in the am. About noon on XX/XX/XXXX, we were informed by XXXX and XXXX XXXX that we were cleared to close but the operations team loaded the closing disclosures late so we would have to close on XX/XX/XXXX. It is close to closing time and we have no documents still and no explanation from the bank. 
This experience has been harrowing and has cost us thousands of dollars. Bank of America has not been responsive. Their customer service has hung up on us after having us hold for XXXX minutes and escalation of issues is extremely difficult.

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 2018-02-13
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover card willfully misrepresented their intentions in order to obtain payment on my account.On XX/XX/XXXX Discover card called me and stated that if I made a payment that day that it would prevent my account from being suspended. I agreed and made the payments as promised. On XX/XX/XXXX they suspended my account contrary to our agreement. Discover misrepresented and lied in specifically to deceive me. I called Discover and they acknowledge that they misrepresented their collection process but was unwilling to offer any resolution. I understand I owe the money and was working to keep them in good standing but I question the legality if not ethics of intentionally lying to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: CO
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:
The ONLY time Experian responded to my request was to delete and address that I never lived at and they made sure to do nothing else. 
ALL my other complaints just linger. They put out an email stating their investigation has been completed and of course they ALWAYS find themselves in the right. However they can not be bothered to even do that instead they have a shoddy robot spit emails out almost the instant they " receive '' a complaint. They not only refuse to adjust my credit score back to it's XXXX where it rightfully belongs since in no way whatsoever did I do anything " wrong ''. Not only do they refuse to address just why XXXX has so much power but they removed the request for credit which was the cause of my drop in score yet they refuse anything has happened and their only response has been to the erroneous address and nothing else. Why don't you do something about these awful corporations who are a threat to us all?

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 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I needed to temporarily lift a credit freeze, and TransUnion is being uncooperative throughout the process. Ultimately, my credit has been unfrozen but TransUnion is not allowing me to refreeze my credit. 

I first placed my freeze through TransUnion via their website. I do not remember the exact date but it was approximately 5-6 years ago. Ever since that date, TransUnion 's website has indicated that my " freeze status is unknown '' and does not allow me to manage my freeze online. The website has not once worked correctly. 

Therefore, when I need to temporarily lift the freeze, I use TransUnion 's automated phone system. However, yesterday ( XX/XX/2021 XXXX when I attempted to temporarily lift the freeze, I was told " an error occurred '' by the automated phone system. I spoke with a human who told me that the freeze was actually permanently removed, although I did not ask for that to happen. To add insult to injury, that human representative tried to sell me a paid credit monitoring product even though their system glitched and caused me these issues. 

Today ( XX/XX/2021 ) I am ready to re-freeze my credit. However, I have tried through three channels and TransUnion will not place the freeze. 
( 1 ) Automated phone system indicates " an error occurred '' and directs me to talk to a representative, but I have waited on hold for a long time and nobody has answered my call. 
( 2 ) I tried logging in to my existing TransUnion website account and was told again that " freeze status is unknown '' so I can not place a freeze here. 
( 3 ) I tried completing the freeze process from scratch at transunion.com, but am told they can not place the freeze.

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 2022-12-23
Company: EQUIFAX, INC.
State: NJ
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2022-03-18
Company: Experian Information Solutions Inc.
State: SC
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX 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

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 2018-12-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX have inquiried hard pull in from my credit report with out my authorization and it's affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: AZ
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2017-12-26
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On Tuesday, XX/XX/XXXX, I transferred close to XXXX coins of Bitcoin Cash valued at roughly {XXXX} from XXXX to my XXXX wallet. The transaction made it into the Coinbase wallet but never arrived into the XXXX wallet. 

On XXXX, it currently says it 's Pending and it will be released at whatever the current time and date it is when you observe it, however, the funds are n't available. 

When you look up the transaction, you 'll see that it was confirmed on the XXXX and spent on the XXXX meaning that the transaction was completed and that XXXX is now holding the funds. 

I 've been emailing and calling Coinbase support multiple times for the past seven days with no answer at all other than one template email with an FAQ page that does n't address my issue. I have not spoken to one real person and they are simply ignoring me and holding my money ransom. 

I sent over my funds to XXXX because I wanted to sell when each coin was XXXX XXXX+ but I was not able to so. Coinbase has made me lose potential profits because the coin has severely devalued since then and the whole market changed dramatically in the past week. In addition to losing potential profits, I lost actual currency I had invested because I was not able to sell all week. 

They wo n't even take the time to give me an explanation of what 's going on, if my money is safe, if I 'll get it back, when I might expect it, nothing at all. Not one word, not even a statement on their website that they are having issues and we can expect an update at some time. Highly unprofessional and it makes me severely worried entrusting my funds to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Where is my certificate XXXX, XXXX XXXX, Equifax? I disputed the accounts in the attachments and you reported all of them as accurate so once again, where is my certificate? Pursuant to Mont. Admin. R. 17.8.1207 - CERTIFICATION OF TRUTH, ACCURACY, AND COMPLETENESS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Original Account has been paid.

Account now shows a new amount not paid and a much larger amount. Multiple documents to support my claims.

Please have collections account remove in accurate info from all 3 credit bureaus within 10days.

Falsified documentation by collection agency to be removed immediately. Proper state guidelines not met here. Delete off all 3 bureaus

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 2019-08-23
Company: EQUIFAX, 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 status incorrect

Complaint:
Hello EquiFax, One of my credit information has just been update while it being closed sinceXX/XX/XXXX. I have attached the new negative mark that has been placed on my credit report for the XXXX account XX/XX/XXXX.I also checked the same account with XXXX and you are also reporting a different closed date of XX/XX/XXXX. Please delete this account due to wrong misleading information. Please see attachment..

Company response to consumer: Closed with explanation