BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: MS
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:
My last payment made to my credit card account at XXXX XXXXXXXX XXXX was XXXX XXXX, XXXX. They closed my account between the dates of XXXX XXXX, XXXX and XXXX XXXX, XXXX. The balance on the account at the time was {$400.00}. I have documentation proof of that was well which I will upload. On my credit report, they only report the account as being closed in the comments but are still showing the account as being open in the pay charts. I never made any payments after XXXX XXXX, XXXX, but yet they are reporting I made payments in XXXX and XXXX in order to continue increasing my balance to obtain more money from me. Now they are reporting my balance to be {$630.00}. How can a closed account continue to gain interest or whatever when the account is closed. Every other account I have that closed, is the balance never increased. If I was late they reported it and I get and understand that but increasing a balance is wrong when the account is closed. Ive disputed this information with the company back in XXXX to fix the issue and was told they would but nothing was done about it. I even disputed the information with the credit bureaus along with the documentation I have and they continue to report the information as being accurate and it clearly is not.

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 2020-08-14
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I had my flood insurance agent fax documentation for the new quote that contained the additional coverage requested from Amerihome Mortgage. 

On XX/XX/XXXX, I had 2 emails that confirmed the Items that I had additionally uploaded for the quote as well as the address for expidited processing of the flood insurance quote were processed. 

On XX/XX/XXXX, I recieved a letter stating that they needed to still have the additional converage for flood insurance. 

On XX/XX/XXXX, I called to confirm the situation multiple times and they hung up. 

On XX/XX/XXXX, I called to confirm the situation multiple times and they hung up without working toward a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Coinbase, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2021 I borrowed XXXX from Coinbase, through there new Borrow feature, just to see how it worked. I payed the loan back, XXXX days later, way before incurring any interest. When I clicked submit payment there was an alleged network error and I had to re-submit the payment XXXX times until it said that it went through. 

A day later I checked my bank statement and found out that XXXX had taken XXXX, XXXX times. 

When I submitted a complaint and evidence of the mistake, XXXX asked me for transaction records, when I provided them I was ghosted. 

This company has no problem putting people in financial jeopardy when they make a mistake and that is not ok. 

This company is too big for its own good and is XXXX over honest, hardworking people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX  XXXX-Balance {$0.00} XXXX  XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Date of inquiry 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 2022-11-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA
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:
I Have Identified information on my reports as a result of identity theft.Items are not the results of any consumer transactions made by me. Here are some of the companies attempting to collect monies unlawfully : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX the named ( soe ) COMPANIES are a pairing the efficiency of the banking company.The continued reporting informtion is improper utilization of my information.

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 2021-08-06
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became aware of a negative mark on my credit from AFNI thanks to XXXX XXXX alerts XXXX. I have never received and email or paper mail explaining I have ANY kind of debt not paid to any creditor to my knowledge. Most of my bills utilize auto pay. 
I have no idea what, how much, or who AFNI is representing. 

Thanks to a XXXX search It was brought to my attention I can submit this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: MS
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. 

Accounts : XXXX XXXX XXXX Account # 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 : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened a Chase Total Checking account on XX/XX/2021 because of a promotional offer I received for a sign up bonus of {$220.00}. After completing the sign up and initiating a deposit from XXXX, XXXX XXXX XXXX ) I tried to find the offer again online to forward to a friend. At that point I saw the monthly fee that I was not made aware of before opening the account. Upon looking further into my account settings I noticed a XXXX XXXX account under a tab named Show or Hide accounts. I then realized that Chase Bank had opened an additional debit account in my name that I never requested or was made aware of. I also found out that the XXXX XXXX account can not be accessed via the mobile site and is only ever visible under that specific tab. I am still currently unable to get in contact with customer support. I attempted to lock my Checking account and was not able to. I am unable to close the account online, which is how I signed up for it. It must be done over the phone or in person. When I called to demand my accounts be closed I was told to call back Monday through Friday. Fortunately the deposit has not reached the Chase bank account yet. Chase 's 48 page legal disclaimer is outrageously long and intentionally confusing. I am outraged that a banking company is able to hide the fact that they opened a secondary account under my name without my approval or knowledge. Today is XX/XX/XXXX. There has been a hidden debit card open in my name for 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Date opened XX/XX/XXXX Details XXXX XXXX Additional information Account is in violation 15 usc 1681a Account collections XXXX written off. XXXX past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a closed account is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 Experian shows payment history from XX/XX/XXXX delinquent and a past due balance and collection status with one month term XXXX collection past due no term unpaid status XXXX show no payment history opened account no term no status All three were updated as of XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE SUE TO SEEK DAMAGES UP TO 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 2021-11-23
Company: Advanced Resolution Services 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:
I have been trying to contact These agencies for months and I have not been able to successfully Opt out and freeze my reports with them and its truly frustrating and they do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is for Barclay credit card : For some reason I was locked out of my phone APP and on-line account. They provided a number for me to call. I have called the number they provided two times and the customer service line once. The first time I was on hold for over 15 minutes and had to end call. The second time I was on hold for over 25 minutes and again had to end call. On my third attempt to the customer service line I was on hold for over 30 minutes and had to end call. I do not feel this is a reasonable wait time. I tried to email them but I have to log in to do so and told I have to call the number provided to resolve the issue. I have no way to access my account on-line. All I am looking to do is unfreeze my account. I don't believe I have a balance but do not want to get charged or a negative credit report in case something unexpected shows up.

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 2021-11-23
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, payment was received at the Apple Card lockbox payment center in XXXX, PA. Upon receipt of the bank check, Goldman SachXXXXApple Card posted the payment received XXXX days later, XX/XX/XXXX. However, upon receipt of the payment, Goldman Sachs refuses to post the payment as cleared until XX/XX/XXXX. I spoke with XXXX and XXXX, who gave conflicting information. 

XXXX XXXX stated that my credit limit was on hold because the check did not clear. However, XXXX confirmed my check had cleared. 
- When I received a message from Goldman Sachs customer services, they stated in writing that when payments are received, there is a XXXX processing period to be applied to the account. However, they did not disclose that the credit limit would be held for XXXX days because the payment was sent by check. 
Overall, Goldman Sachs and XXXX did a horrible job communicating their process. If I knew they would hold my payment for over XXXX weeks, I would use another payment method. In my opinion, this process is unethical and was not adequately disclosed to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: SECURITY CREDIT SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This debt is from a company that I have disputed in the past and they are still trying to collect. They have called me every single day if not every other and left voicemails harassing me to pay the debt back and call them back or further action will be pursued. They somehow got my family members phone numbers and call them telling them that I need to call them. They somehow got my girlfriend 's phone number and call them and told her that I have debt and they need to have me call them as well. Their tactics at XXXX XXXX in XXXX New York seem to be illegal and harassing. Security Credit systems at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX phone number XXXX. They are very threatening and invasive for who they are calling. I don't even understand how they were able to get my brothers and sisters phone numbers and other family members including my girlfriend just to harass me about this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CITIBANK, N.A.
State: GA
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:
On XX/XX/2021 I purchased a hotel room through XXXX for XXXX nights between XX/XX/XXXX and XXXX at XXXX XXXX XXXX in XXXX XXXX AZ. The hotel advertisement on their own web site and the XXXX line description clearly states the rooms have wifi. Well, our room didn't have WiFi. I approached the staff on site and they said that is a known issue and they are willing to give me credit for {$15.00} per night for the inconvenience. The hotel staff explained to me since I had booked through a third party, the credit would come through the third party credit ( from XXXX XXXX ). After I failed to see the credit on my credit card statement, I contacted XXXX XXXX multiple time and they didn't help me. Furthermore, I disputed with CitiXXXX and they also sided with the vendor. I am asking for a credit of {$45.00} that is due to me. The hotel has to reimburse XXXX but sandwiched between large companies, I feel hopeless.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to formally dispute and request the removal of certain personal information from my credit report, which I believe is inaccurate and outdated. The information in question pertains to my previous address, phone number, and inaccurate names associated with my credit report. 

Below are the specific details of the disputed information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am providing this dispute because the presence of inaccurate or outdated information on my credit report can have a negative impact on my financial well-being. I believe that it is crucial to maintain accurate and up-to-date credit information to ensure that my creditworthiness is assessed fairly and accurately. 

I respectfully request that the Consumer Financial Protection Bureau investigate and verify the accuracy of the information mentioned above. If it is determined that any of this information is indeed inaccurate or outdated, I kindly request its immediate removal from my credit report. 

I have enclosed copies of relevant documents that support my claim, including but not limited to utility bills, official documents, or other forms of proof that substantiate my correct address, phone number, and name ( s ).

Please acknowledge receipt of this dispute in writing and provide me with a timeline for when I can expect a resolution. Your assistance in this matter is greatly appreciated, as it will help ensure the accuracy of my credit report and maintain the integrity of the credit reporting system. 

Thank you for your prompt attention to this matter. I look forward to your response.

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