BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hallo, My name is XXXX, and I am a citizen of XXXX XXXX with a Coinbase account. 

Recently I damaged my cellular telephone and along with it went my XXXX authenticator keys. 

The keys can not be recovered and subsequently my access to my funds have been inaccessible. I have reached out to coinbase and they constantly say they will get back to me in 4-5 business days to begin the process or restoring access to my account and they have failed to do so going back to around the middle of XXXX now. 

I feel as though Coinbase is not taking this matter seriously and that they are using offshore agents whos primarily language is not English to being with and they are not properly handling this issue at all. 

No one is taking an interest in assisting me and it feels simply an exercise in frustration. This matter is at is causing me a lot of stress and anxiety. 

I have spent countless hours trying to fix the shortcomings of Coinbase support and I am now forced to continue to escalate this matter just shy of filing a formal lawsuit, which I am trying to avoid. 

Looking forward hearing from you and how I can get acces to my Coinbase again. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-11
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It appears that Shellpoint Mortgage Servicing has a problem with how they pay taxes from the escrow accounts. The first year with Shellpoint, I was making escrow payments. At the end of the year, I was informed that I was over {$1000.00} short for the escrow payment and they would have to adjust my mortgage payment from $ XXXX to $ XXXX starting in XXXX, to make up for the underpayment that would be spread over XXXX. I paid the full overage at the end of the year, asking that my escrow payment be adjusted to the correct payments and not include an added payment for the overage. However, after numerous certified letters, Shellpoint would not do this and continued to charge us for the escrow plus back payments for the escrow of XXXX. 
I refinanced on XX/XX/XXXX. On XX/XX/XXXX I called the County to confirm that real estate payments were made. They stated that no payment was made. On XX/XX/XXXX I paid the {$470.00} to the County of XXXX for Real Estate Taxes in order to make sure it was paid before the discount deadline. 
Today, XX/XX/XXXX, I spoke with a named rep at Shellpoint about my escrow balance. According to their records, they paid this amount to the County on XX/XX/XXXX. I called the County today, XX/XX/XXXX, and they stated they still did not receive or process any payment from Shellpoint. To add to this, because I paid it myself, the County office stated that they will refund {$470.00} to Shellpoint when and if they receive their payment because they can not process XXXX payments. 
This {$470.00} should be returned to me, along with my escrow balance. XXXX XXXX told me that when the County returns the check, they will be required to send the refund to me, but that will take at least another two months. It is clear, that if they sent the payment on XX/XX/XXXX, as stated, it would have been processed before the XXXX. Since it wasnt, I would have also missed the ability to pay with the discount. This is probably also how I came to have an underpayment in XXXX. On top of this, I lost several hours of work to clarify this mess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: NY
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:
I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX XXXX states that I owe them {$2.00}, XXXX to a credit card that was open in XXXX. I have resolved the amount and it was closed on XXXX. The credit card hasn't been valid or shown on my credit report until recently. I have tried calling Experian and also called the company that holds the account recently which is XXXX XXXX. I have had a valid mailing address since the closing of the account ; Neither XXXX XXXX or XXXX has contacted me until recently. To add to the matter, I have recently received a new XXXX XXXX card with no problem; please can you help 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 2020-06-11
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was into a car accident back on XX/XX/2020. My finance company Ally Financial was paid by my insurance company and the gap company. On XX/XX/XXXX of 2020 I spoke to a agent at Ally Financial stating that once the gap payment was received they would XXXX  out the remaining balance, I asked the individual multiple times during this recorded conversation if he could guarantee me this, he stated yes and that I would be able to receive a paid in full letter by the end of the week. On XX/XX/XXXX I called in being there was still reflecting a balance on the account even though the Gap claims payment was applied. I made a complaint with the escalations department and was told they needed to look into the matter and needed two days. On XX/XX/XXXX of 2020 I received a call from Ally 's escalation department and was told it will take them two days to get the call to be able to review this. Today is XX/XX/2020 and I called Ally to follow up on the matter for the complaint that I made about being told the balance would be XXXX  out. I am being told there is a remaining balance of {$650.00} and some change. Ally records all of there calls so there is a recording backing my conversation that took place on XX/XX/XXXX of 2020. I called Ally Financial at XXXX from phone number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: VA
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My identity was stolen. I'm not sure what they are doing but I believe they have opened bank accounts and gotten loans according to my XXXX XXXX. My name is XXXX XXXX. My social security is XXXX. XXXX is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have encountered lots of theft of my belongings during the last 4 years. I have had to get at least 10 identification cards in the last 4 years. I'm not sure what all they have managed to do but I also believe they got unemployment under my name under pandemic and also took out loans with world finance and opened phone service accounts. And a credit card. I'm not sure what else but that's what it looks like as of now on my credit report. And may have also filed taxes under my name. 'm not in the same city I was before and can not report this to the local police until XXXX when I leave the facility I am at. I am currently at XXXX XXXX XXXX XXXX  nm XXXX. Please get back to me via email on what we can do to fix this and get more of an idea as to what has been done.

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 2023-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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/2023, I paid for a prescription at XXXX # XXXX, XXXX, Louisiana, with my Capital One Mastercard. The clerk charged the wrong amount, {$27.00}. They voided the transaction and charge the correct amount, {$12.00}. Both charges were posted to my account. I notified Capital One and the posted a credit for the {$27.00}. I submitted to Capital One a copy of the " POST VOIDED TRANSACTION '' receipt from XXXX. Then, on XX/XX/2023, Capital One reversed the credit and charged me the XXXX. I contacted Capital One and they said there was nothing they could do. I contacted XXXX and they said there was nothin they could do. Please help me with this incorrect charge. I will attach a copy of the XXXX receipt to this complaint. 

Thank you in advance, XXXX, : )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: ALLY FINANCIAL INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On or about XX/XX/2022 I had some suspicious charges on my account. I called the credit card company and they closed the account and was issuing me a new card. I got an email saying my new card was on the way. Almost a month later still haven't gotten the card. Called to check the status and was told there was a plastic shortage and they couldn't say when I'd get the card. Also was reassured that any automatic payments would transfer over to the new account with no problems. Wrong, every payment I had connected to the old card was rejected. I was also issued a pretty large refund from XXXX that has never been credited to my account. I have all the tracking and reference numbers for the refund transaction and no one at the credit card company will try to trace it and see where my money is. The customer service people are rude and pretty much refuse to help.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: MD
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:
CONSUMER LAW 15 U.S. Code 1681a ( 1 ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. EXPERIAN IS REPORTING CHARGE OFFS FROM XXXX XXXX, XXXX XXXX XXXX XXXX AND LATE PAYMENT FROM DEPT OF ED. READING THE LAW THERE ARE NO SECTIONS THAT SAY THE REPORTING AGENCIES HAVE AN AUTHORITY TO POST A FICO SCORE, LATE PAYMENT OR CHARGE OFF ACCOUNT ON A CONSUMERS FILE. TRANSACTIONS OF ANY LATE PAYMENT THAT RESULT IN A CHARGE OFF ARE ILLEGAL. THE LAW STATES THIS AND EXPERIAN IS IN DIRECT VIOLATION OF THE LAW.

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 2022-12-21
Company: Experian Information Solutions Inc.
State: TX
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:
The Fair Credit Reporting Act shows violations by the following account : XXXX. XXXX XXXX account # XXXX This account violates the following sections : Section 602 Congressional findings and statement of purpose [ 15 USC 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Section 604 Permissible purposes of consumer reports [ 15 USC 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Section 605 Requirements relating to information contained in consumer reports [ 15 USC 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

and Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. 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.

Considering my right to privacy, exclusion of reporting that isn't of criminal conviction, and the fact that I the consumer never gave the reporting agency written consent to report this account. The following account is being reported in error. Please delete the above account ASAP.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this car loan has been closed since XX/XX/2020, and it was also sent to auction and sold satisfying the loan, I also had gap insurance on the vehicle. this car is still reporting on my credit profile as if i still have this car in my possession. I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : 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 2021-05-31
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX refuses to refund entire amount stolen from me from use of counterfeit card. 
On XX/XX/2020, {$980.00} was withdrawn from a XXXX ATM with a counterfeit copy of my XXXX paycard. After 6 months of their stalling, I finally filed a complaint with the CFPB, which resulted in XXXX crediting my account for {$790.00}. No explanation was given for not replacing the entire amount, and their disputed transaction department actually hung up on me when I tried to get an explanation and re open the complaint. 
From www.ftc.gov : " If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you '' I reported the fraudulent transactions within 1 hour to XXXX, so they owe me another {$190.00}.

Company response to consumer: Closed with explanation