BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi! we have tried to resolve this issue with the conmenity bank over a charge with victoria secret account where it seems like they have created 2 accounts for my wife where only one should be active. However, even if the account was used the balanced was paid in full on XX/XX/2023, Payment in the amount of {$150.00} was made then and they told me that the actual late fee of {$30.00} was going to be credited back to the account as a courtesy one time a year. I said thanks and that we needed this account to be close. However, they never closed the account wanting me to call when some one can speak XXXX where it finally occured today XX/XX/2023, we talked to XXXX and XXXX that initially said his name was XXXX? here in this call, we rephrased the same XX/XX/XXXX chapter about the full payment applying to account one day late and that such late fee in accordance with the operator in the call, was suppossely be dropped, this last thing never ocurred and they keep on accruing late fee charges on the account that it no in use and that we ask and ask to close it. They are sustaining that such credit must be approved before they can apply the credit but it was preciously approved and now they are dennying it! I have talked to XXXX, and other several customer service people where no one seems to be able to help in resolving such confussion? we do not want this account open! we have other account with a Master card on same victoria secret that we are using and as a result of this misunderstanding, we want nothing to do with victoria secret. they sustained off course after the payment has gone thruogh that now they can not credit the late fee back and another month has gone through where now they have put the account to {$62.00} all in late fees base on a late fee that they never removed, Now! how can we allow this company to froce us to pay what we do not owe them? we never make a partial payment we make full payments everytime. Victoria Secret Conmenity Bank regular credit card. Note : They said that they will continuo to accrue late fees on it and that they are not seing such credit back in XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hello I have issues with the way2go program which is with XXXX XXXX I receive my weekly unemployment on the card. But for the last 5 weeks my account has been suspended due to fraud which they are saying they are unable to verify my identity. I sent in my id. Social security card, birth certificate, w2, and also documents from id.me that my identity was verified. I had to sent that account up in order to file my unemployment. I've contacted way2go customer service everyday for help im on hold for hours and they transfer me to the fraud department then they tell me to send my documents to id@conduent.com which I've done at least 10 times. Then they told me they couldn't verify me and to call and my local social security office i to get a consent based process and I did they told they had no idea what i was talking about and told me to call the unemployment office and I did they told me my identity was already verified and there should be no issues I called way2go back and told them that they told me they will let me know.Im still locked out of my account and I can't access my money I haven't been able to for 5 weeks now. This is ridiculous I've done everything they have asked and im still getting nothing to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I have an account on Coinbase.com owned by Coinbase Inc. 
I transferred XXXX BTC into my coinbase BTC wallet on the date XX/XX/2017 checking the transaction on the block chain confirms the transaction has been done successfully using Address : XXXX XXXX XXXX   XXXX but the BTC has not appeared on my account yet. 

I have filed a complaint ticket through coinbase support system Case # XXXX They have failed to resolve the issue as of today. 
On the phone they only let me know that this account has indeed been hacked. 
They have not given me any time frame as to when and how this issue will be resolve. 

Coinbase has put me on sever financial strain and stress over the past 2.5 months Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I am writing this because I noticed my closed XXXX XXXX account #, [ XXXX ], Continually being reported for multiple months! This is illegal and you guys are going against the FCRA. According to the FCRA 623 it states that an account can be reported delinquent on the months that it is late but once an account is closed it can only reflect charge off or late up to the date that it was closed ( XXXX ) after that its not supposed to. This is my final warning I need this account removed you guys are constantly reporting inaccurate information! 

( 5 ) Duty to Provide Notice of Delinquency of Accounts ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX 1

5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the account listed is deleted IMMEDIATELY!

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 2023-08-27
Company: LEXISNEXIS
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Arivo Acceptance, LLC
State: TX
Product: Credit reporting 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've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: CBC Companies, Inc.
State: CA
Product: Credit reporting 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:
On XX/XX/2023, I seen the company Factual Data Inc had pulled my credit report. I am sure who this company is. I am requesting a copy of report from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXXXXXX  This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression

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: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-01-24
Company: Innovis
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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
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:
Account name : XXXX XXXX XXXX Account number : XXXX I was looking at my credit report today and I notice this company on there reporting this debt can you please verify this information I am not sure what this is exactly and some of the details are not matching up I have no knowledge of opening and account on XX/XX/23. If you cant verify this account please delete this inaccurate account from my credit report.

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 2021-08-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were given a loan modification in XXXX of XXXX. It is a two part loan modification. # 1 is a interest and principal amount which has a maturity date due in XXXX. THIS AMOUNT CURRENTLY is estimated about {$260000.00}. # 2 is a deferred amount due ater the # 1 is paid. This is estimated at {$240000.00}. At the time the deferred amount is due I will be XXXX years old. We were initially given the loan modification because I suffered a massive XXXX in XXXX an became XXXX and into forced retirement. Our income became significantly reduced there fore the modification. I jhave repeatedly contact Carrington mortgage who services the loan with questions about the deffered amount. i.e who the investor is on defferred amount, is any of the deffered amount forgiven under the original modification, etc. As of this complaint I have not received any answers to any questions. I have contact Carrington no less then a dozen times to try to get answers to no avail. When I had my XXXX I had no health insurance. I was responsible for all medical bills. Our credit to say the least has been destroyed. We are current on mortgage and have reached to Carrington for assistance as well as answers to questions. There are also questions with regard to # 1 part of modification. The only reason we ssigned the modification was to stay in house. Any help to receive answers, resolution etc. Would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions Inc.
State: TX
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2019-01-03
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Prior to purchasing a new truck in XX/XX/2018, XXXX XXXX, did NOT borrow money from Pentagon Federal Credit Union ( PenFed ). Instead he took out a loan with a different credit union. 

On XX/XX/XXXX ( and again on XX/XX/XXXX ), PenFed requested evidence of insurance coverage for the vehicle. 

On XX/XX/XXXX, Mr. XXXX, an active member of the military, died suddenly. 

On XX/XX/XXXX, XX/XX/XXXX ( and again on XX/XX/XXXX ), PenFed demanded proof that it was lienholder, threatening that failure to provide this information would result in a loan recalculation. 

Mr. XXXX 's surviving spouse ( and daughter who had power of attorney for her mother ) telephoned PenFed but  PenFed refused to speak with either of them as they were not the borrower on file. 

On XX/XX/XXXX, Mrs. XXXX sent a copy of the death certificate by mail with a letter requesting proof of a loan because her records showed that there was none. 

On XX/XX/XXXX ( and again on XX/XX/XXXX ) PenFed sent an empty message of sympathy accompanied by a demand for the balance of the loan in the amount of {$26000.00}. 

Only after asking her personal attorney to call, was PenFed willing talk about the barrage of demand letters on a non-existent loan. On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX, said that the loan was canceled the day before onXXXX, because the loan was never negotiated. The substance of this phone conversation was confirmed in a XX/XX/XXXX letter by XXXX XXXX, Estate Accounts Assistant. In this letter, PenFed acknowledged receipt of the death certificate, stated that the loan check had never been negotiated and there was no longer any open loan on file. However, PenFed stated that Ms.XXXX needs to complete a membership application in order to receive the small balance of the savings account funds and get the credit card transferred into her name ( but she would owe payments on any outstanding balances. There was no information as to what if any balance was owed on the credit card ). 

But the icing on the cake was sent on XXXX XXXX XX/XX/XXXX. The letter was addressed to the deceased (! ) demanding copy of the title to establish that PenFed is the lienholder on this NON EXISTENT LOAN! 

In a light most favorable to PenFed, this is an administrative error of epic proportion and the lack of empathy is appalling. In a light least favorable to PenFed, this is an attempt to fraudulently extort money out of a grieving XXXX XXXX widow for money that was never borrowed from PenFed in the first place.

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 2019-04-24
Company: BARCLAYS BANK DELAWARE
State: NV
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:
XX/XX/XXXX requested balance xfer on line of {$850.00} to pay XXXX XXXX CC ending in XXXX. Called about 10 days after requested to confirm why not processed. Advised " It takes times ''. Assuming they sent check I waited a few more days. On XX/XX/XXXX opened a formal investigation. Was told 10-20 days, with no specification of business or calendar days. Since this time, I have made repeated calls to Barclays Bank and been provided with multiple responses ( ie., takes 10-20 business days - could take up to 3 weeks - takes 45 calendar days - takes 60 calendar days ). Issue has to do with account # at XXXX XXXX wihich appears to be incorrect. They will not tell me if this was my error or if they had an input error when processing. They will not provide me with steps taken to contact XXXX XXXX, instead recommending that I contact XXXX XXXX, Will not advise how the funds were xfered., ie, electronic check, paper check, ach credit. Have spoken with supervisors who continue to advise issue escalated. Received no written communications, although was promised they would send communication on XX/XX/XXXX. Called today, and received same response, that I could call back in 60 days which would be XX/XX/XXXX to see " if '' resolved. This CC company has not provided consistent information on how the process would be handled. Getting the proverbial run-around. I will call again on XX/XX/XXXX to see if they provide me with a resolution. However, after being in banking/investigations for over 40 years, this has been handled very poorly. The customer service process appears to be outsourced to a 3rd party and each have " scripted '' responses, with no sense of urgency on when and how to escalate. Without being judgmental, as I am hearing impaired, I find the verbal communication skills extremely lacking. 

In today 's world of automation, it is unacceptable that it would take 60 calendar days to contact an intended recipient ( in this case - XXXX XXXX ) and resolve the issue. All transactions have trace # 's and should be easily identifiable. Contingent credit for disputes should be granted after 30 days. Consumer should not be affected due to companies inability to handle an issue timely.

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