BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-04
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: Their investigation did not fix an error on your report

Complaint:
I didn't authorize theses company to pull my credit report XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX, & XX/XX/XXXX. I have filled numerous grievance about the matter but to no avail. I even send the paperwork to all three ( 3 ) reporting agencies, their reply is that the information reported is correct ; yet when I asked for proof that it's me requesting theses credits they reply it matches my credit filled, so all these inquired into my report has lowered my credit score and the agencies refused to remove theses inquired, even when I submitted the request I sent to theses company to remove their inquires for credit, because I didn't request credit from their companies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased XXXX ETH  on Coinbase on XX/XX/2020. 

When trying to transfer that same sum of Ether out of my Coinbase wallet and into my own personal wallet, my funds were unexpectedly withheld for undisclosed " security '' reasons. Even after completing two-factor verification for the transaction, I received a message saying " A withdrawal from Coinbase is being delayed as a security precaution. '' The status of my transaction being displayed as " WAITING FOR CLEARING ''. My funds are gone from my account, but they're being withheld without any ETA or explanation. Coinbase support has been useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recently opened a Citi credit card account in XXXX of XXXX. I have made on-time payments and remained well within my credit limit when using the card. 

On XX/XX/XXXX I made the minimum payment of {$230.00}. Every payment prior I have paid above the minimum payment. 
On XX/XX/XXXX I received an email from Citicards that due to information from my XXXX report they have reduced my credit card limit by {$1800.00} leaving an available balance of {$85.00} that prior to the payment was {$2300.00}. 

Per XXXX my credit score was XXXX with 100 % on time payments. 

I have made on-time payments, have not exceeded the card balance at anytime and have maintained in good standing with Citi and my other financial obligations. 

I feel this tactic now will force me to either pay the card off wholly or make a bigger payment than one can afford monthly. I find this practice unethical and know that I am not the only person this has happened to. 

It is curious that they can pull this information anytime, yet they wait until after the payment is made. Still with no foundation as to why and what they are looking for. 

I reached out to CITI customer service and after refusing to accept the referral to ask the Credit Reporting Company I requested a Supervisor. The Supervisor at that time was unable to offer any insight other than the standard factors that are looked at when granting initial credit. But this credit is established. 

I hope the CFPB is able to investigate and offer insight as to why CITI and other credit cards ( XXXX ) are able to manipulate your balances without direct cause or reason, ultimately causing undue financial hardships on the card holder when you have remained in GOOD standing. 

Thank 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 non-monetary relief
Consumer complaint received 2022-12-14
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I recently put an offer on a house in early XXXX. Our offer was accepted and we began applying for mortgages and ended up using US Bank. I provided the loan officer with information about my current employment and wages. Throughout this process I had been interviewing for jobs and awaiting job offers. The location of the home is not within commuting distance. By XX/XX/XXXX, I had heard back from only one employer in the area and was offered a position with a $ XXXX pay cut. After budgeting, I realized I would not be able to afford this home and contacted our loan officer to update him. My wife and I decided to terminate the purchase agreement based on the financing contingency in the contract. I contacted my loan officer to terminate the loan application and request a loan denial letter to provide to the sellers. He was understanding and told me he would work on it. I have followed up with him on XXXX XXXX XXXX because I have not received the loan denial. Now the loan officer is not responding to my attempts to contact him. My wife and I would just like the loan denial letter before the closing date.

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 2022-11-22
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a debt collection letter from Credit Management alleging I owed a debt of {$150.00} to XXXX XXXX in XXXX Texas. I have never even been to XXXX Texas. I have been receiving calls looking for someone with a different name, when I tell them they have the wrong number they just hang up on me. 

There are many complaints online about this company creating fraudulent account between XXXX dollars and demanding payment. 

I have excellent credit and pay all of my bills. This company is committing crimes against citizens and should be put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to contact the company several times only to find 30-40 min hold wait times. I requested a scheduled callback when a rep was available and that I would not lose my place in line yet never received a callback.  My complaint is because for the statements of XXXX and XXXX I saw a charge for {$25.00} payoff quote. I never authorized the fees to be charged I never requested a payoff statement. I tried to use their IM chat and they stated that XXXX XXXX  had requested a payoff and that's what the fee was charged. I advised them that I while I gave authorization for XXXX to receive payoff information I never authorized the fee to be charged to my account. They told their was nothing they could do since the load has been paid off. I asked for a refund and they refused. This is a predatory practice and want the {$50.00} in fees refunded to me.

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 2022-12-27
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-02-21
Company: EQUIFAX, INC.
State: TN
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:
Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
You were advised by me on ( XX/XX/2022 ) by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.

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 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have written letters to Credit bureaus about the errors on my credit report three times and always comes back accurate. I know there has been no investigation because I clearly provided them with the credit report the accounts to be removed immediately. The Fair Credit Reporting Act states if any credit report is not 100 % accurate, It must be removed or the business is subject to a {$1000.00} violation. Which I will pursue if these accounts are not removed immediately. Transunion will not give me a copy of my credit report unless I pay for it as the representative of Transunion said to me.I said, I am supposed to get a free copy of my report. The representative hung up on me, which is a violation of the FCRA Law. I am extremely disappointed with how I have been treated, ignored, and deemed as less than for expressing what has been set in place for people like me. I am looking to resolve this in a calm, quick and hassle-free manner without having to escalating my problems further to those willing to listen to me and take my concerns serious. 
15 USC 1681 A 4 : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's 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 explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Hello, In XX/XX/XXXX I made a payment that was past the due date, and XXXX, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing XXXX  a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, XXXX took over the servicing of my account from XXXX XXXX XXXX at the end of XXXX just before this incident. This was a poor transition and I never received any information from XXXX instructing how payments and late payments would be handled going forward.

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 2023-11-15
Company: Specialized Loan Servicing Holdings LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Specialized Loan Servicing online system is not user-friendly due to the security system. It requires a two-step verification system and makes it extremely difficult to log into the account to make a payment. It becomes a loop, requires you to check your email for the code, the code does not come, then requires you to change your password, then it gives you the recovering code, you use the recovery code, then it logs you out and you go through this loop several times. Since it requires an hour of being on the computer and then ending up making a phone call to unlock the login it has resulted in late payments. It is unjust that due to their system, it is difficult to make payments and then the consumer is assessed a late fee. I am computer savvy and I struggle. I am requesting an investigation. I am concerned about the elderly or people who are not used to using computers and how they may struggle more with this system. Are they purposely making it difficult to make money on the late fees?? Please note this is not an isolated incident, it occurs every month. I have notified Specialized Loan Servicing last month of my concern and again this month.

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 2023-11-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX to follow up on the account that should be reflecting as paid and its still showing a balance, which is reflecting negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: SYNCHRONY FINANCIAL
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:
i have made various attempts in contacting lowes synchrony bank. They are reporting an account to my credit report that is not mines and i am not aware of either. i never authorize to be on such account and they have failed to remove me.

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 2022-12-14
Company: Experian Information Solutions 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 account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681.. 

XXXX XXXX XXXX .... # XXXX XXXX/ XXXX Account number # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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. State i have the right to privacy.

15 u.s.c. 1681 section 604 A. section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions. 
15 u.s.c 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information / other than records of conviction of crimes witch antedates the report by more than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2018-11-07
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
American Express keeps canceling my accounts. I do proceed with an application for a premium charge card then the card arrives within a day or two VIA XXXX overnight rush mail and after a few days AmEx cancels my account arbitrarily. However, they don't forget to charge the annual membership fee and collect on it which is upwards of {$550.00} for a platinum account and {$250.00} for gold accounts. When I call Customer Service I encourage to apply for a new card. I also receive mail solicitation. Every time I apply for a new card ( as recommended by CS ) my FICO score gets a hit. This has happened four ( 4 ) times already in the past 3 months. I feel I am being discriminated against and not sure what to do. Before all the applications my credit FICO score was above 800 which is considered excellent. Hopefully my plea for assistance will effectuate change and stop this criminal activity by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX, I tried to pay my contractor {$2700.00}. 
I immediately contacted PayPal and expressed my concern that A ) the money was sent to the wrong person accidentally. PayPal told me to contact that person and ask for the money back. When I did that the person told me that his account was hacked XXXX years ago and he has no access to the PayPal account. So PayPal should not have allowed his account to remain active on the site and this would have prevented my mistake. 
B ) PayPal took out {$78.00} as a fee even though they advertised it as though there were no fees involved We are a non-profit and now we are out {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
I have a positive balance of {$7800.00} on my Apple credit card. On XX/XX/23, I called and confirmed with the representative that the balance can be refunded to my checking account ending in XXXX in 8-10 business days. On XX/XX/23 I called again since it has been past the 8-10 business day window and was told it is still being worked on. On XX/XX/23, the balance was still not refunded. I spoke to a manager and said the case will be escalated and I should expect a communication by end of day XX/XX/23. Today is XX/XX/23 and I still have no received a response nor a refund of my positive balance.

Company response to consumer: Closed with explanation