BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: Nelnet, 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:
Dept of Ed/Nelnet desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has 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 2022-12-30
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I initiated a balance transfer with Citibank to my credit card account, advertised as a 12 month XXXX percent interest offer, with 3 % transaction fee. The amount transferred was {$13000.00} on XX/XX/XXXX. So today I noticed that the expiration date is XX/XX/XXXX, not the full twelve months. I chatted with a representative and they said that the offer started on a certain date, and regardless of when the consumer initiates the transfer, the expiration date is always XX/XX/XXXX, not twelve months as they lead you to believe. if that is case, then they should at least prorate the transaction fee to be something less than 3 %, but that didn't happen either. Anyway, I think they should honor they twelve months as advertised, or at a very minimum, prorate the transaction fee to be approximately 75 % of 3 %. To make matters worse, my annual fee was charged during this timeframe, and results in interest immediately since there is no way to apply funds to that purchase, so will accrue for the balance of the transfer period. Now that is incredibly deceptive and unfair to the consumer. 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 monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: TX
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:
I am natural person. I am a living human being.I HAVE rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous of times. I demand the following accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-03
Company: JPMORGAN CHASE & CO.
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023, I received an email notifying me that a XXXX account had been created using my email address, and seconds later I got a second email confirming my purchase for tickets using that XXXX account in the total amount of {$1800.00}. I knew I had not created this account and it had to be fraud, so in order to prevent the fraudulent parties from getting what they wanted, I went to XXXX  to attempt to reset the password to this fraudulent account, in order for me to get access to an account I had not set up and therefore didn't have the password to, so I could change the password and block the fraudulent parties 's access to that account. I set up a new password so I could then access the account. I first tried looking for a way in XXXX to cancel and return the tickets untouched, but there was no such option, so I immediately closed the XXXX account unused and called my credit card company, Chase, to report the fraud. In the months following, we had several calls with XXXX where they continued to state they were investigating my claim with statements that they would follow up with me within 24 to 48 hours with updates, which they never did. On XX/XX/XXXX, I received a letter from Chase that their findings were the charge was valid, so I contacted Chase and XXXX in tandem again to dispute the charge. On a subsequent call XX/XX/XXXX, XXXX admitted that the account was created fraudulently while Chase was on the line, but they never sent a confirmation email containing that statement on their letterhead as Chase required, nor did they issue a refund. On XX/XX/XXXX, I followed up again with Chase who informed me that I had to reach out to XXXX directly, which I did immediately. XXXX claimed that they'd won the chargeback claim that Chase issued, that the bank ( i.e. Chase ) agreed with XXXX that this transaction was not fraudulent, and that no refund would be issued. According to XXXX, part of their " Riskified '' process to prevent fraud was to send a text message to the account holder, and once that message was responded to with an approval, that validated the account. I stated to XXXX  that I received no such text message, and when asked what phone number XXXX used to send this supposed message, they said they had no record of the phone number used to send this text message. I did NOT create this fraudulent account. I did NOT purchase these tickets from XXXX. I do NOT agree with the decision rendered by XXXX or Chase, and I am filing a police report for this fraudulent charge in combination with this complaint. I intend to take legal action absent a timely refund for this fraudulent charge. I can provide records of the above actions upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my report from XXXX XX/XX/2021 & XX/XX/2021 ( XXXX ), Toyota Motor Credit XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XXXX XX/XX/2021 ( XXXX & XXXX ), XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX XXXX XXXX XX/XX/2021 ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ( XXXX ) , XXXX XXXX XX/XX/2021 ( XXXX ) and XXXX XXXX XX/XX/2021 ( XXXX ) all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was discriminated and treated with disparity by XXXX XXXX. XXXX did not give or serve me properly with my constitutional rights regarding my home mortgage located in XXXX XXXX XXXX, CA. I never received the XXXX packet from them. XXXX violated my due process of the law, I feel and sense that XXXX did this intentionally to harm me. Me and my house are in a judicial sale process by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 reported to Carecredit that I was not receiving a bill and therefore was unable to make payments on the account. After receiving several fraud alerts from a credit monitoring service, I realized they were reporting negatively to the credit bureaus. It took several months for them to remedy the situation and they admitted that part of the problem was that they were outsourcing these customer service calls to call centers out of the country, therefore creating a language barrier which resulted in incorrect mailing address information being updated to my account, resulting in the mail delivery problem. 

Synchrony Bank promised to remove the delinquencies from my credit reports, but have not done so. My end of the bargain was to bring the account current and continue making regular payments on time so long as I received a bill. I have done this.

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 2022-09-09
Company: Experian Information Solutions Inc.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX Balance : {$82.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00},, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00}

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 2021-12-20
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We started the online process of refinancing our original mortgage with PNC on XX/XX/2021 ( reference number # XXXX. ) I have saved all the emails from XX/XX/2021 to XX/XX/2021 to employees of the PNC mortgage department, except the secured emails from PNC as they are unavailable to access. I will outline the experience my wife and I went through as PNC employees disassembled the whole refinance process over a 5 month period and denied us a mortgage. 

XXXX XXXX, mortgage officer, and I started communication after the online application. I completed all the portal steps for application in timely fashion, day or two. In the months of the conversation of emails I inquired many times about the holdup with the refinance, why was it taking so long. I was told there are alot of applications and people are overworked. I could understand that process, but a refi for an existing customer seemed like a slam dunk. That is why I went with PNC in the first place. 

Eventually, the process was moved to XXXX XXXX, one of the closers ( paper shufflers. ) The paperwork nightmare on many levels, especially XXXX XXXX, spiralled down in that I became concerned about lost documents. Requiring me to resubmit the same documents made me question the integrity of the process and safety of my financial information ( taxes, bank statements ). I wasn't sure why my documents became lost, one document was sent 3 times by me to PNC. I asked to talk with a supervisor, to give feedback about the process, as it was taking months. 

XXXX XXXX contacted me and began to attack and blame me. I wanted to find out why it was taking so long and he became aggressive. He did not respond at all to my concerns. In fact he cancelled the loan and I have not every been informed as to why I was not given a mortgage. He actually blamed me for the mortgage not being completed and retaliated by dropping my application after I told him I wanted to talk to his supervisor, XXXX XXXX, that I was going to report to the CFPB. I never heard back from XXXX and XXXX, despite requesting a formal internal investigation by PNC about the process of my application. 

I was never told why my remortgage took 5 months to come to some conclusion that I wanted to close on that mortgage rate which was locked in at 3.00 %. Since I was locked out of the process I can only conclude the refusal to move my mortgage along was due to my wife and mine age, we are both over 65 years of age. I think the way they handled me was discriminatory based on age. 

Nonetheless, I reapplied at our personal bank and received a refinance, of course at 3.25 %. Looks like I lost because PNC discriminated against my wife and I, due to age.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made a wire transfer that should have taken 1 day to come in for {$1900.00} to XXXX using my XXXX XXXX XXXXXXXX account. XXXX sent the wire over and XXXX has the money. I followed step by step and walked through with a support agent on the phone and they told me I did everything right. 

Their response was through email : Hi there XXXX, Im happy to look into this for you. Can you provide the following information? 
-Date transaction initiated -Name on the depositing account ( please include all names if its a joint account, or business account ) -The amount sent -IMAD number/Reference number for the transaction This will assist us in locating your deposit. 

Thanks, XXXX Support Team -- -- -- I replied back 5 mins later : Date transaction initiated : X/XX/2018 Name on depositing account : XXXX XXXX Amount Sent : {$1900.00} Reference Number : -- -- -- -- - ( not sure if i should include this ) -- -- 4 days later no response from their team and they refuse to give an ETA on when the wire will transfer when it was supposed to be a 1 day transfer. I even paid the extra {$10.00} fee for the 1 day transfer, and now we border 4 days, no response, no ETA, no communication. 

This is ridiculously absurd because tons of people have had issues with XXXX wire transfers not coming in through as promised. Reading up on some stories, it took a 1 day wire transfer 1 month to come through and several other testimonials with things like this. 

Please help me get what was promised from the company XXXX Thank you, Best, XXXX XXXX

Company response to consumer: Closed with explanation