BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
I had a car Loan with in XXXX 20 years ago I paid on the note for years never late ever then I Lost my homes and everything I owned. I went to the credit union and told them I was in Trouble Financially and was losing everything they didn't care .I became homeless living in my motorhome for years. 

On this XX/XX/XXXX XXXX Ran A Hard Inquiry on my Credit with out my permission and my Credit Dropped over 40 Points I called Trans Union and they told me what happened and to call the Credit Union and ask them why? 

I told them never to run my Credit ever again or im going to take Legal Action!! 
XXXX  Didn't Know what to say. 

I called the credit union and said that they had no right to do a hard inquiry on my credit and i was very upset the woman was very rued and said they had the right with out my permission .the note is over 15 years old it was a charge off. 

Trans Union even said this was wrong to run my credit with out my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca 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 2019-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
ItriedfilingadisputewithCapitalOneonlineonafewdifferentoccasionswithnosuccess.Ithentriedcallingintohaveacustomerservicerepresentativedoitforme.However,afterextremelylongholdtimesIwastransferredaroundbetweenonepersontoanotherandfromonedepartmenttoanotherwithnoonethatwashelpingme.TheendwasthatIwastransferredtoavoicemailwhereIleftamessageforsomeonetocallmeback,asofnow4weekslaternoonecalledmeback.Finally,Iwasabletogetthroughtoarepresentativetofileadisputeonatleastoneofmyclaims,unfortunately,therewasnothingfurtherdoneonmyclaim.Ihavealreadywrittentothemaboutthismatterbuttheyarenotrespondingandaretotallydiscriminatingagainstme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-27
Company: EQUIFAX, INC.
State: LA
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 no knowledge of the following account XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-01
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX Illinois XXXX I am writing a complaint against Citibank they closed my account about 3 months ago yet they have a balance in the checking account that says it's available for {$3400.00} I was not expecting that money to be deposited into that account anyway and I already had my benefits transferred to another Institution so why does this bank still have the checking account still open and they're telling me that is closed every time I call them they tell me they're supposed to send the check or send the money back and they never do what I want is the bank account closed if they say they're going to close it then they need to close it because I am not using their financial institution anymore and this was their choice so I'm not sure whether to contact the lawyer because Citybank is not telling me anything

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 2021-01-02
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I am a young professional beginning to process of repaying federal student loans after the repayment pause from the era of the COVID19 pandemic. I applied for the XXXX repayment plan on XX/XX/2023 through the service provider XXXX and was approved. I then began applying for XXXX XXXX XXXX XXXX ( PSLF ) on XX/XX/2023 and was transferred to the service provider MOHELA. My PSLF payments were approved. 

Currently, my loans are under a mystery repayment plan called " SAVE-Alternative '' that does not reflect the payment amount promised in my approved application from XXXX or XXXX my account with the federal government. All attempts to contact MOHELA via phone and portal messaging to gain more information about this payment plan have failed thus far. Additionally, my new application ( submitted XX/XX/2023 ) to correct my repayment plan to SAVE have been met with significant and unreasonable delays of up to 90 days, and my loans are still showing as being due on XX/XX/2023 despite the fact that they should be in forbearance while my application is being processed. 

Please help me come to a reasonable resolution with an unreasonable institution called MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My virtual currency account is locked on the Coinbase.com platform. When I submit an ID I am told " unable to verify identity '' on their website. Have been trying to get the company to resolve this issue for over a month now with no luck using their " customer support '' email address, which is their only way to resolve customer support issues. My funds are now being held and I am unable to access them, or withdraw funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The problem is the online banking periodically is unavailable for deposits. On Friday XX/XX/2022 I attempted to deposit my check several times until XXXX. This happens often. Everyone knows Friday is payday. Why would PNC who claims to accept same day online deposits until XXXX do this to their customers? I have a business run and this is not fair to me, I can not imagine how people without credit feel or manage. It is an unfair business practice. If they are having technical issues, they should post a notice so that people can go to the bank and deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the process of submitting a refinance application I became aware of a delinquent account with SYNCB/STASH that had been sold to a debt collector, XXXX XXXX XXXX, XXXX ( XXXX XXXX. This was a fraudulent account that I had not opened and was not aware of. I attempted to reach out to SYNCB/STASH to make them aware that the account was fraudulent but they referred me to deal with XXXX. After months of going back and forth XXXX acknowledged that the account had been fraudulent and that it would be deleted. 

After rechecking my credit it came to my attention that the account was still reporting, but that it was now a delinquent account with SYNCB/STASH. I once again reached out to SYNCB/STASH in order to have them remove the account from my credit. They refused to do so and said I would have to re-initiate another investigation with them that will take months to resolve. 

I am reaching out to you for assistance because SYNCB/STASH unwillingness to deal with this matter seriously and expeditiously is delaying my ability to refinance my home and will result in having to pay thousands additional in discount charges in the process.

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 2023-11-09
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Upon the information provided from the dispute, Pen Federal Credit Union is in violation of report inaccuracies on my credit files. The documents they sent to me had a wrong social security number and address. How is this company reporting anything to my credit files with wrong information? The contact they sent, they blocked out the social security number, so how is that proof its my account?? On the original contract the social security number is wrong thats why they blanked out the information on the contract. This is illegal and this is not the right way to conduct an investigation. This company also sent me a check that does not have my information on it nor is it my account! The check did not have my signature on it. The contract they sent me also had a forged signature on the contract. The signature does not match mines someone signed that contract without my consent. Per the FRCA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Per the FRCA 1022.82 ( d ) ( 2 ). You have reported an address to my credit files that has not been verified.

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2023-11-10
Company: Incomm Holdings Inc.
State: IL
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchase a Visa gift card from XXXX XX/XX/23, depositing {$300.00} on card for online shopping.After activating card it allowed no transactions, Called Vanilla Card Company, sent all documents asked.Faxed & E-mail 5 times because customer representatives said no faxes or email 's were being received in the time period asked.And closed out my card.I have proof of timely sent Faxes, E-mails. Along with receipt of purchase for card.Can you help me too resolve this {$300.00} problem thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract to follow reasonable procedures to assure the maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I transferred {$500.00} from my Bank of America checking account to pay my BoA credit card account on XX/XX/2020. By the end of the day I noticed that the payment had not gone through and I made the payment again. The next day I noticed 2 transactions for the same amount leaving my checking account. This put my account in the red and overdrew it. I immediately called BoA customer service and explained the issue and requested the second transaction be reversed and the money refunded to my checking account. I also requested a refund of the {$35.00} overdraft fee. I want a refund because they did not put through the original payment hours after I  made it, nor did I see it reflected in my account. I rejected overdraft protection when I opened my account as I never go over the limit and I would rather have a payment rejected rather than be charged a fee. BoA keeps changing this setting. I requested it at the beginning of the year as well but they keep making excuses as to what is not included etc. It's not my fault that my account did not reflect the payment I made. This was an internal transfer between 2 BoA  accounts. There is no reason why I should be charged.

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 2023-04-28
Company: EQUIFAX, 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:
EQUIFAX, XXXX AND XXXX BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THEM WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE 5 NEGATIVE REPORTING TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT.. I WOULD LIKE TO STATE THAT PURSUANT 15 USC 1681 ( a ) ( 1 ) that THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING EQUIFAX, XXXX AND XXXX TO REPORT THESE INACCURACIES IT HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE REPORTING ON MY CONSUMER FILE WILL CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE ONLY MOST HIGH GOD. 
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 2021-11-09
Company: EQUIFAX, INC.
State: WI
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:
The three credit companies XXXX XXXX, XXXX and equifax, all have XXXX  insurance on their site stating I owe the company XXXX  {$180.00} dollars. I recently have been trying to paid off my credit so im working with a credit repair company XXXX XXXX XXXX! XXXX  told me that XXXX  have been reporting negatively to my credit since last year. I thought that was odd because I paid XXXX  the money in full last year and open up a new policy with them. Since then I havent missed a payment for a year and Ive been on time. XXXX is still reporting me negative to all three credit agencies to this day!!! The credit report company has also asked XXXX  to remove these items and they refused. So I called XXXX  and explained I wanted this removed from my credit they said it was out of there hands to call the collection agency so I called them and they said they couldnt removed it to call XXXX  back! So I put in complaint with the credit agencies thats allowing this hurtful information to stay on my credit and no one is doing anything! Also there is a second bill with a company XXXX. The original balance I owed was over {$5000.00} dollars I paid it down to {$1300.00} but some reports say I didnt pay anything on the bill at all, while others say the original amount was only {$1800.00} but all are incorrect with no payment history or very little payment history. Im disputing this information because its incorrect. This has been damaging my credit scores and rating for years I want something done about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I wrote 3 letters and mailed certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all three credit bureaus indicating that were reporting incorrect and invalid information and unverified accounts on my credit report. I have requested the three credit bureaus to update all true and correct information regarding 1 name on my account, 1 address, and 1 employment. I have requested all three bureaus to remove all non-holding accounts inquiries over 30 days. I have asked all 3 credit bureaus in these letter to provide the name of the individual business address and telephone number of the person or business contacted during your reinvestigation. The name of the person who verified the dispute with the original creditor, and the documentation that was used to verify the dispute. I have not received any information, documents, or proof to my request on these unverified accounts. I have also reached out to the creditor companies on XX/XX/XXXX via certified mail and a few have responded but have not sent in the requested information to verify the accounts such as an application with my signature, bond, or an agreement for any debt.

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