BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: PR
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:
Since XXXX I have been trying to get a credit report only to be informed that I did not exist in any of the XXXX credit reporting agencies systems. This was understandable considering that I have never used credit at all and never plan on doing so. 
I was advised that I had to create a credit report by visiting XXXX of the XXXX agencies to present a valid identification to establish an account in my name for credit reporting purposes only, which I did. Next, I received a credit report from XXXX. The office that I visited and presented my Passport, Birth certificate, Social Security card, a Drivers license and a current utility bill to establish my physical address was XXXX. 
The clerk was only interested in the Drivers License. When I received a copy of my first ever credit report, I immediately noticed that the report contained someone else 's information as to their name, addresses and employment history. Next, I checked the other XXXX agencies and discovered that all three reports were exactly the same! 
I assumed that this was merely a clerical error by the otherwise preoccupied data entry clerk that I visited. Naturally I requested a correction, as it apparently matters. At age XXXX I applied for a carry permit at the local police station, where I have actually lived since leaving the military after returning from XXXX in XXXX, only to be detained due to an active warrant for my arrest due to a background check that brought up XXXX of the names that these agencies had placed in my newly created report. 
Luckily, after being finger printed the police informed me that I was not the person that the warrant was looking for, as the prints did not match and I have no criminal history at all!!! SO, THIS IS A SERIOUS SITUATION. The police advised me to get this corrected or I will continue to have problems in the future. These reports can be very damaging and expensive to correct if you are lucky enough to get these agencies to correct the problem as they are very reluctant to cooperate while responsible as well as libelous for any adverse actions suffered by anyone based on incorrect information in these reports. I have been continuously attempting to have all three credit agencies correct my report by sending valid photo identification to no avail. CAN SOMEONE PLEASE HELP ME?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent Wakefield & Associates a letter letting them know that I had no knowledge of the balance that was reporting on the account and I asked them to verify that this account was reporting maximum possible accuracy. I let them know that they had 30 days after the receipt of the letter to respond after conducting a reasonable investigation to verify that this account was mine. I told them that if they could not verify the information that it needed to be removed from my credit report. I asked Wakefield to send me the confirmation that the information was deleted from my credit report if they could not provide proof. On XX/XX/2022 after not receiving a response from them within 30 days I sent a letter to XXXX asking them to investigate this account for me as well. I let XXXX know that according to the FCRA that they must investigate this account and check with the creditor who has posted them. I sent in a copy of my ID and also proof of my address with this letter. On XX/XX/2022 I sent another letter to XXXX that was a formal complaint about ignoring my previous request and failing to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports that they publish. I then asked them to reinvestigate and according to federal law, they had 30 days to complete the reinvestigation and to provide proof of the investigation within 15 days of its completion. It is now XX/XX/2022 and I still have yet to hear back from XXXX or Wakefield and Associates I am in the process of sending another letter to them. I have reached out and given them an ample amount of time in order to send proof of this account and they have violated my consumer rights according to the FCRA by failing to do so. I would like this account to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Source Receivables Management LLC
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 XXXX XXXX XXXX ( Account number 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 Section 2 also states a Consumer Reporting Agency can not furnish an account without 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 adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2022 I received a message from a number I did not recognize. The caller claimed to be from Fifth Third Bank and wanted to discuss my account. I looked through my banking records and determined that payments were being sent as scheduled. I was unable to locate any mortgage statements and could not access my account online using my saved password. I was unable to reset my password through the website. I became concerned that I had become a victim of fraud and I called the number I had on record for Fifth Third Bank to inquire about the call and to request assistance resetting the password. I was on hold for quite some time and never reached a live agent. I attempted to call them a second time on a different day and waited on hold for a long time and was never able to reach an agent. Within the month I received a letter from Fifth Third Bank returning my mortgage payment with an explanation that I did not understand. I called the bank 3 additional times to get further clarification on the reason the check was returned and to reset my online password. Despite multiple attempts to contact the bank to speak to an individual to get clarification I was never able to get through to anyone. 

Subsequently, I received a notification from my credit monitoring service that Fifth Third Bank had reported a late payment. I again attempted to contact the bank and was unable to speak to anyone and while on hold had my call disconnected. 

I then initiated a complaint through the better business bureau. The bank replied and apologized for the long hold times but has refused to amend the credit report. I have attached 2 communications I received from the bank that have contributed to my confusion as it appears that payments were not 30 days late. 

Long hold times have made it impossible to reach a mortgage servicing agent. The reason for the discrepancy on my mortgage payments were not clear and despite multiple attempts to speak to an agent for help I was unable to get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX  Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX  XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXXXXXXXXX Balance {$490.00}

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 2018-12-27
Company: Fidelity National Information Services, Inc. (FNIS)
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2017 I sent a Non-Negotiable NOTICE and DEMAND to Chexsystems. They never responded with my request.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: AL
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:
Greetings This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2018-08-28
Company: Atlanticus Services Corporation
State: CA
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:
I had lost my job or actually laid off on XX/XX/XXXX. I had signed up for the protection on my credit card. I reported it to the company was told I would get paperwork. In two weeks now XX/XX/XXXX I call them back, stated that they were having problems. I guess they were being bought out or changing banking companies. No paperwork nothing. At the end of XXXX about the XXXX XXXX. I received a bill that had we ate informing you about new bank. Now I receive a thing typed on the billing statement my acct closed yet I am back to work XX/XX/XXXX and making payments now I brought acct under credit limit and I go to use card told its closed I said cant be well I printed out what I have as far as credit and it shows my acct is open yet I cant use it yet it states my available credit is. So they lied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Called to have the bankruptcy removed from all three reports it should have been removed after one year it's been 2 years and it's effecting me negatively.

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 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2022, I was at a Kohls store in XXXX, AZ and shopping for XXXX. I went to the checkout lane and attempted to use my Kohls store card, but it wasn't working. I asked the cashier if they could look up my account number ( which they have been able to do before for me ) to get the coupon discount and she said she couldn't. She said if I hadn't used the card in a while it was likely closed. I asked if she could check. 

She said that she could run an application for me and it would check for open cards. I said I did not want another card and she assured me it would not open one without checking for an open card. I insisted that I didn't want a credit check or a new card- she again insisted that her " process '' would check to see the status of my current card. 

She had me answer questions on her kiosk in the lane. When the questions came up about my income and drivers license, I again stated that I did NOT want a new card. She was very confident that this process would not open a new card and that there " would be a screen come up first to find my data '' for my old card number. 

When the process was complete, a screen came up on her display that said I was " approved '' for a new card with a new limit. I told her that she opened a new card in my name without my permission and now I had 2 cards. Later that day, I confirmed that my first card was actually open. 

I then called to speak with a supervisor and informed them of all the details, and asked them to review their training with cashiers as I was extremely upset about a cashier lying in order to get kudos for securing a new credit application. I will also be calling to close my card now that I've received it in the mail and letting them know I've filed a formal complaint. 

I would like their practices for securing new applications reviewed. Later I learned that the exact same thing happened to my husband last holiday season and he had to call and cancel that card also. My daughter 's friend worked there during the holidays and stated that there is " significant pressure '' to open a certain amount of credit card applications. These actions are deceptive and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Coinbase, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The issuer of the visa credit / debit card is Coinbase Inc. ( which is tied to the XXXX Coinbase exchange ). 

Coinbase card acts as a debit card so you essentially need to pre pay the card by funding your Coinbase card account. 

I was heavily using my account because Coinbase offers crypto as a reward for using the card. A couple of months ago, I was informed by Coinbase that my card was deactivated because I violated the terms of service. I contacted Coinbase and after several days they reinstated the account but did not explain to me what triggered the deactivation. 

A few days ago - they did the same thing. They claimed that a charge I made on XX/XX/2022 for a bill from a XXXX law firm violated their terms- but again did not state what term I violated. 

I have called customer service several times and submitted several emails asking what term did the charge violate. Each time they only responded that I violated the terms of service with no explanation. Their customer service team is somewhere in XXXXXXXX XXXX XXXX XXXXXXXX and is very unhelpful. Prior to the above charge, I had made at least XXXX prior charges with the card with the same law firm. 

I suspect that because I was earning a lot in rewards from use of the card that they just made up an excuse to deactivate my card. Given the recent events in the crypto space, I would appreciate you investigating Coinbase and their card practices. If I violated their terms of service, they need to explain what I did. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX  Their website confirmation says " You have requested to opt-out of our search results for the following person : Name : XXXX XXXX Location : XXXX XXXX, PA We have sent an email to : XXXX IMPORTANT : Please check your email, including the bulk or spam folder for the email, and click or paste the link into a browser to confirm your removal request. '' I never received an opt-out email from them, including in my junk folder. This deprives individuals from being able to actually opt-out from having their information on their website.

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 2023-06-10
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 if 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 explanation
Consumer complaint received 2019-12-06
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
i went to suntrust to close my account the day after XXXX. they wrote me a bad check for $XXXX which my new bank says has a bad routing number so the feds returned it and i had to pay my bank a $XXXX fee.

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 2023-12-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a large payment to pay down a promotional balance and avoid the accumulated deferred interest, but they decided to apply the payment toward another promotion resulting in the accrued interest being added to my balance, which is what I was trying to avoid. I call and asked for the payment to be applied correctly and they refused o make any changes to the way the payment was applied, which resulted in an additional @ {$800.00} being added to my balance. The way they applied the payment seems illogical. Why would they not apply a payment in a way that would result in the smallest balance and the least amount of interest. 

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 monetary relief
Consumer complaint received 2022-11-16
Company: GOLDMAN SACHS BANK USA
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX ( XX/XX/XXXX ), I obtained a home improvement loan through XXXX XXXXXXXX XXXX. At the time the loan was taken out, XXXX XXXXXXXX XXXXXXXX  filed a lien against my property for the loan amount ( recorded XX/XX/XXXX ). Sometime after that, XXXX XXXXXXXX XXXX changed its name to XXXXXXXX XXXX. There were multiple loan servicers assigned over the next few years. From what I was told by a representative from XXXX, they sold a portfolio of loans to XXXX on XX/XX/XXXX. They advised me to contact XXXX to resolve my issue as it was sold to them. I contacted them several times and no one could access the account and provide no information whatsoever. They indicated that they have no record associated with me. I asked to have the issue escalated in order to access what is likely an archived account. I sent an email to the department suggested to escalate the matter on XX/XX/XXXX and have not heard any information back from them. In addition, there was NO recorded assignment of this debt to XXXX. They can not provide me with any account information and say they have no record of me at all. I have no data on this as it was over 15 years ago when this began. I need XXXX to release the lien on my property as it is interfering with my ability to sell my property.

Company response to consumer: Closed with explanation