BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hello Funds of approximately .7 ETH were transferred to Coinbase on XX/XX/XXXX and were never received due to Coinbase not supporting the XXXX chain that the token was transferred through. However, the transaction was completed, meaning that Coinbase does have the funds, and can access and reverse the transaction through a more time consuming and difficult process -despite Coinbase providing that it is impossible. Because I understand that the process of retrieving the funds is difficult, I am willing to pay an additional surcharge ( up to 30 % ) if coinbase requires ( as I understand other exchanges have had a policy of ), for these funds to be retrieved. 

The transaction on XX/XX/XXXX was sent to the following coinbase address : XXXX, with this txid : XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: CT
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-02-24
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied a credit card with PenFed and was given a bogus reason for denial : " We do not grat credit to any applicant on the terms you requested. '' I called PenFed and they admitted it is a system glitch and asked me to provide a written request to have them re-process the application. 

XXXX XXXX from XXXX XXXX XXXX team told me they won't reconsider unless I provide documentation. The problem here is that XXXX XXXX did not take time to read my request and gave me a boilerplate text reply.

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 2023-10-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The U.S. Dept of Education is reporting a fraudulent debt of {$2900.00} from XXXX  years ago. 
The Dept of Education created a fraudulent payment history. 
I am writing to correct this inaccurate information. 

The account number reported is : XXXX This is FRAUDULENT. This ALLEGED DEBT is misleading to the extent that it has affected my credit report, decreased my credit score and it is patently incorrect. 

This is not my account. 
This is a FAKE PAYMENT HISTORY furnished. 
There should not be a payment history because this is not my account and I have never made a payment. 
This account is beyond the Statute of Limitations. 



Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CA
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:
I am writing to dispute an unauthorized inquiry that has appeared on my credit report without my consent. According to my recent credit report obtained from Equifax, there was an inquiry made by XXXX XXXX XXXX XXXX on without my knowledge or authorization. As per my understanding of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, this action on XX/XX/2023 violates my rights as a consumer. 

The FCRA clearly states that any credit inquiry made on an individual 's credit report requires the express consent of the consumer. I would like to bring to your attention that I did not provide any authorization or permission to XXXX XXXX XXXX or any affiliated entities to perform a credit inquiry or access my credit report. 

As a result of this unauthorized inquiry, my credit file has been affected adversely, potentially impacting my credit score and overall creditworthiness. The unauthorized inquiry has the potential to have far-reaching consequences on my financial credibility, which is a serious matter that requires immediate rectification. 

I am requesting an immediate investigation into this matter and the removal of the unauthorized inquiry from my credit report. Moreover, I am entitled, under the FCRA, to receive documentation verifying the legitimacy of this inquiry within 30 days of this dispute. 

I kindly request that Equifax and XXXX XXXX XXXX XXXX investigate this matter promptly and provide me with written confirmation of the removal of the unauthorized inquiry from my credit file. Additionally, I request that any adverse effects on my credit score or creditworthiness due to this unauthorized inquiry be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: SC
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX we paid off our mortgage at Huntington as is reflected and acknowledged in Huntington 's letter to us dated XX/XX/XXXX. 
In XXXX of XXXX the XXXX XXXX Clerk inadvertently forwarded the unrecorded Satisfaction and Huntington checks payable to the Clerk to our home instead of Huntington, with a cover page indicating Huntington failed to provide a recording cover page, recording information for chain of title, and the funds Huntington forwarded to the County Clerk were also insufficient. 
Upon receipt of these papers from the XXXX XXXX XXXX, we immediately forwarded the papers to Huntington so that they could provide the XXXX XXXX XXXX with the proper documentation and funds in order to have the Satisfaction of Mortgage recorded. 
In XXXX of XXXX we called Huntington and received no answers to our questions. We thereafter sent a letter to Huntington requesting that they provide us with the status of the Satisfaction of Mortgage. We again received no response. 
In XXXX of XXXX we called Huntington and spoke with a woman who advised us that our file had a notation dated XXXX that Huntington was waiting to hear from the County about an Affidavit for a chain of title and that Huntington had to order title work for the chain of title. 
After making a few more phone calls with no responses, we wrote to Huntington in XXXX of XXXX outlining their failure to provide a properly recorded Satisfaction of Mortgage. Again - no response - written or otherwise. 
In XXXX of XXXX we sent an email to Huntington requesting that they have their legal department contact us immediately to advise us of the status of the Satisfaction. Again - no response. 
Several more calls were made with no response. 
In XXXX of XXXX when we called we were told by XXXX XXXX XXXX that he was unable to view our profile because he was only able to go back 2 years! We were asked if we contacted XXXX. We advised him that we had done so with no response from Huntington. We were then transferred to his supervisor " XXXX '' who indicated that he would contact the lien release area to have them refile the Satisfaction. 
We have called, we have written, we have emailed. 
Huntington has dropped the ball constantly and it has become beyond frustrating at this point. We are 3 years out and we still have no Satisfaction of Mortgage!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act accounts XXXX  XXXX XXXX XXXX, XXXX XXXX has violated my rights and is reporting active and open this debt is a charge off 15 U S C 1681 section 602A states I have privacy rights 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

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 2021-05-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX Chase Auto Finance is my car loan holder for my XXXX XXXX XXXX vehicle. I have called them several times in the last 30 days and was adivised an extension could be granted from their " redemption department '' due to the 2 states of emergencies declared by governor XXXX XXXX and fema. First was the XXXX XXXX riots and curfew last month. Second was the XXXX XXXX shutdown and hack. This has impacted my ability to get product to sell and has financially shut down any source of income for me. Twice I was read long scripts and I accepted what I thought would be an extension from the redemption department due to the above. To date though it is still showing its normal due date of XX/XX/XXXX. In the past this happened and it impacted my payment history on my credit scores. Florida has a 14 day period where late fees arent charged as we all know. However as of this moment the extension is still not processed. Please confirm and update this aforementioned extension as we are close to the deadline. Please provide details of this. Many more wasted phone calls. XXXX XXXX chase financial has ruined my credit and life with this stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This Account is being added to my credit report With the intention of collecting I have disputed this account with the original creditor over the Phone to validate this information on XX/XX/2021 I have not received any information From XXXX XXXX XXXX. 
This Account is not just added is also inaccurate. With no payment History on all accounts Starting with XXXX Transunion XXXX XXXX also the balance is inaccurate. 
please have this delete immediately from my credit report. 

Note. this account has a duplicate account with a different account number

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 2019-11-21
Company: Debt Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection was opened by DEBT RECOVERY SOLUTIONS  on XX/XX/XXXX showing a debt of XXXX$. Giving a super high impact to the credit score. I did have a medical bill for XXXX$ back in XX/XX/XXXX that I was trying to pay off, but I never had ANY medical situations for the past several years, so this collection account is totally wrong and impacts my credit score with a wrong information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Previously on XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/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 2023-10-25
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: Credit inquiries on your report that you don't recognize

Complaint:
THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER 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 explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: NY
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:
I am formally requesting a re-evaluation of my identity theft dispute and a detailed explanation of the reasons for the denial. I urge your bureau to conduct a thorough and objective investigation into my case, taking into account all the evidence I have provided. However, despite the ample evidence provided, I was dismayed to receive a response from your bureau stated my dispute was denied. The letter did not provide sufficient justification for the denial and failed to acknowledge the gravity of my situation. I believe there has been a grave oversight in the evaluation of my case. I provided the required documentation and supporting evidence to substantiate my claims. This included a FTC Report from IdentityTheft.gov. My identity theft claim, submitted since XX/XX/XXXX of last year, outlined the following fraudulent activity on my credit report : XXXX XXXX XXXX XXXX. Please delete this fraudulent account ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
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 confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: CT
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:
THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER 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 2023-08-22
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX ran my credit back on XX/XX/. I called them directly with no resolve. I disputed it with TransUnion but they have not removed it. I have written letters and it still has not been removed. 

XXXX XXXX ran my credit XX/XX/2023. I did not authorize this. I wrote them a letter and it was returned unclaimed. I disputed with XXXX but they did not remove it.

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 2018-04-24
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
AmeriHome, Loan # XXXX I paid off this loan in full on XX/XX/XXXX. To date ( XX/XX/XXXX),  I  have not received my surplus impound account funds of {$4600.00}. I was now told that the initial check was sent but I never received it. This was back in mid-XXXX. They said they would send another check back in early XXXX ... .I have not received that either. I called today and they told me that they would generate a new work order which is what they said last time. 

I find this absolutely unacceptable and asked them to either XXXX  or wire the funds due me. They said they could not but would generate a " new work order ''. I don't feel I should have to wait on my money. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Resurgent Capital Services L.P.
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 sent a letter on XX/XX/ to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i

Company response to consumer: Closed with explanation