BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: AZ
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:
The list of inquiry and inaccuarte personal information in my report were inaccurate. I emailed it to credit bureau, requesting that investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX NA 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 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes. please investigate this matter 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 non-monetary relief
Consumer complaint received 2021-05-05
Company: BCO Consulting Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
A few days prior to XX/XX/2021 I received a call about student loan forgiveness. I was told they are working for the U.S Department of Education, working with Public Service Loan Forgiveness. On XX/XX/2021 I called back to discuss forgiveness options. I was told I would have immediate relief and very small monthly payments. I was told that my other loans would be taken care of immediately and upon looking today, XX/XX/2021, and I still have my student loans due for this month. I was told I would have 4 monthly payments to start of {$190.00}. They automatically took out {$190.00} on XX/XX/2021, and it will happen again this month on the XXXX. I believe I am being scammed due to reading upon reviews of this conpany. All of my sensitive information was taken right off the bat and I, unfortunately did not give a second thought to it. I was not told where or even who my payments were going to. Looking upon my bank statements on XX/XX/2021, it looks like it's called BCO Consulting Services. They were insanely friendly and were intently knowledgeable with everything, which is probably why I didn't think twice about it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX  XXXX XXXX began calling me in XX/XX/2023 in regards to an account I supposedly had with them. I have never opened any accounts with this bank. I thought I had resolved the issue in XXXX. XX/XX/2023 this account shows up on my credit report and drops my report by XXXX points. I have since been in contact with XXXX  XXXX XXXX XXXX XXXX XXXXe account has been closed and I am still waiting for documentation to be sent through postal service. They said it will take XXXX business days from XX/XX/XXXX. I have disputed this through the credit agency and am trying to get this removed as it is hurting my credit report tremendously.

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 2021-12-28
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2021, I was notified by Chase my Credit Score dropped significantly down to XXXX. I logged on to my account and found the credit card that I am still actively using and making payments for was no longer part of my credit report. It shows as not available. In XXXX, the XXXX years of payment history was shown and my credit score was at the correct level. Now in XXXX, the XXXX years of payment history no longer shows on my credit report with XXXX. I spoke to chase on phone and was told the dispute comment is causing the issue. I requested the dispute comment to be removed and was told it would be resolved. I also contacted XXXX on XX/XX/2021 and was told they would investigate it. The personal XXXX credit report number was XXXX but I had to contact them via phone to access the results. I waited until XX/XX/2021 and contacted Chase to find they did nothing to resolve the issue and my payment history and active credit card account of XXXX was still not restored to my credit report. It's weird because I'm still making active payments and using my credit card. The usage, balance, credit limit, account status, highest balance, payment status and late payments are all missing. The account is not in dispute so I'm not sure why Chase reported that to the XXXX bureau. Chase told me that the comment was what caused the payment history and information to be removed from my credit report. However, I spoke to XXXX on XX/XX/2021 and was told that dispute comment has nothing to do with credit history and Chase needs to report the payment history again to restore it to my account. I've been fighting back and forth for the past XXXX weeks to get this issue resolved. This is the third consecutive year that Chase has somehow managed to XXXX up my credit history and ruin my credit score because they failed to report my payment history and credit card status accurately. I'm missing XXXX years worth of payment history due to their negligence. I was told by XXXX today on XX/XX/2021 that under report XXXX that they should remove the dispute comment and will look into the payment history. However, only Chase can report the payment history and credit card status to be restored to XXXX. XXXX can only receive and use the information for credit score purposes. I'm frustrated because I'm not sure who is telling the truth and would like this resolved promptly. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: TX
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:
XXXX, EQUIFAX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. TXU ENERGYhas violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I applied for the purchase of a property. We used the following company to conduct that transaction : Broker Solutions Inc. dba. New American Funding.

Escrow # XXXX XXXX XXXX  Loan officer XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On my understanding, this property shall be in our possession and begun to make payments towards the principal and interest.

The documents have already signed and again this company has not release the funds to the seller of the property.

I have several documents affirming that we should be the righteous individuals, ( or my wife ) to make payments towards the property. 

Truly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX {$3100.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$3700.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$710.00}, OPENED XX/XX/XXXX. 

XXXX XXXX {$450.00}, OPENED XX/XX/XXXX. 

XXXX {$5900.00}, OPENED XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX, OPENED XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28
Company: CITIBANK, N.A.
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:
I have a Citibank card, and on that card, I had a 0 % APR offer on purchases and balance transfers. I have 4 months left on that offer ( exp in XXXX ). I was then offered a flex loan with my Citibank card on available balance and chose an offer with a 10.99 % APR and 48-month terms to payoff ( 48 payments ). I accepted terms and received the loan. This last weekend, I made two payments on my account. One for the non-flex loan 0 % APR balance, and the other to pay the flex loan amount. I then cancelled the second payment for the flex loan, to keep that loan contract valid. I also accepted a second flex loan plan on the amount I freed up by making first payment. Account status should be at that time, 2 flex plans with separate terms and APRs attached, and {$0.00} balance on the APR purchase/transfer portion of my account. Account overview : Once the 0 % APR portion of my credit card balance for the offer, changes at term expiration, it will change to around 20 % APR. Now, after cancelling the 2nd payment, Citibank has allocated my first payment to the flex loan and not the 0 % APR. My account now has a balance with the higher APR rate attached, no original ( first ) 48-month flex plan which says it is paid off, as well as the second flex plan, which I accepted this weekend. My issue is this is a bait-and-switch or misinformation issue. Citibank offers a flex loan with monthly options of payback at 12, 24, 36, 48, 60 months and APR attached, but then treats the loan as a credit card purchase and pays the account based on APR percentage from highest to lowest. I have a regular purchase balance with APR attached, and I have a loan with its own terms, yet they treat these as % based items, and allocate funds accordingly. I request my original flex plan reinstated. I should have 2 flex plans now, equaling almost {$13000.00} with 48-month terms and payment plans attached. I should have no balance on my account associated with purchase or purchase APR. My monthly payments should be {$130.00} and {$200.00} totaling {$340.00} for next 48 months. Please help me get my account back to this state.

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 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In early XX/XX/2019 I noticed multiple accounts and inquiries that were not created or authenticated by me.I am a victim of identity theft and would like these times removed 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 2023-11-10
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX account # ending in XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: KY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2022-08-13
Company: Experian Information Solutions Inc.
State: GA
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:
Reporting wrong balance amount steady increasing balance after years of charge off keeps reporting open and closing of account to purposely damage my score as a form of harassment

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 2020-07-30
Company: Coinbase, Inc.
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I submitted a request to purchase bitcoin in the amount of {$1400.00}, via Coinbase.com, which company is the subject of this complaint, with the funding coming from my XXXX  Savings account via ACH. 

Due to an error on my end, I accidentally had emptied that savings account, thinking Coinbase was drawing from the checking account that I maintain with XXXX  that was well-funded. Alas, Coinbase let me know of my error, saying that the ACH transfer failed. I checked XXXX, realized the problem, noted the {$35.00} fee that XXXX charged me for a failed ACH ( such is life ), moved money back into the savings account that more than covered the funding, and retried the transaction via Coinbase on XX/XX/XXXX. 

On XX/XX/XXXX, the ACH was processed and the funds moved from my savings account. 

Notably, feeling bullish on Bitcoin, as well on XX/XX/XXXX, I submitted ANOTHER separate transaction to Coinbase, withdrawing another {$1500.00} from that same XXXX savings account. That ACH was debited from my savings account on XX/XX/XXXX. 

Today, that second transaction has cleared and is available on my Coinbase account.

However, the original {$1400.00} is still unavailable, and still says I must wait 5 days to have access to it -- even though a transaction submitted a day later is already cleared, and the 5 days doesn't ever go down.

I've tried contacting support but Coinbase only has robots reading emails and sending back canned responses. They do not have real humans operating their support system, it seems -- they have no phone number, no email address, and their only contact form is a byzantine mess that is OBVIOUSLY created to ensure as few possible actual support requests from real customers get through as possible. You have to answer a bunch of questions just to get to the form, then they require precise, detailed data that they could easily look up themselves -- e.g., I need to provide the date of the transaction, the transaction ref #, my country of origin, the exact transaction amount, the transaction date, THE LAST 4 DIGITS OF THE BANK ACCOUNT USED, and other details, which details are all already in Coinbase 's computer systems. If you get any of these details even somewhat wrong, you are unable to submit the form. 

This is clearly anti-customer, anti-consumer, and possibly fraudulent as Coinbase 's  TOS describes their customer support systems, and there seem to be no actual humans involved, which seems fraudulent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NC
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 filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a customer of Capital One Bank. I believe that their fees have been predatory and deplorable. My husband died and I was trying to pay all of my bills on time. I would like to receive an account of my account payment history. I want to understand how the interest rates fluctuates from one amount to the other. I want to receive copies of all of the charges on my account per month since I opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: WI
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: FL
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

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 explanation