BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: NJ
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:
I sent a letter last XX/XX/XXXX, to remove these inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again 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
Consumer complaint received 2020-01-23
Company: Navient Solutions, LLC.
State: MA
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:
My Loan servicer Navient failed to acknowledge my documented financial hardship due to XXXX as I was unable to my my loans and was looking to reasonably defer them. Regardless, I had also moved and was trying to update my contact information to get status of my loans by mail, however upon attempt to contact by phone, nobody was able to review and change my loan information. My email address had changed because I no longer had access to my school email. As I was experiencing my hardship due to XXXX, the loans apparently defaulted and I had no way to access nor was I in any condition to deal with it due to XXXX. Now that they have defaulted, not only is the lender reflecting late payments but the reflection on my credit is a double reflection of default on both servicers, both the original, and the lender, which there should only be one or the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Netspend Corporation
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I had my government check social security was direct deposited onto my NetSpend account that I've had since XXXX but when it got deposited some person took the money out {$1200.00} he did an account to account transaction that i never gave permission for i dont know this bub performed fraud on my account I'm the only one on my so how can NetSpend allow this to take place on my account he from my account he stole my money I have a XXXX XXXX that can't be fixed through stage XXXX XXXX XXXX and a couple other things and when he took my money it put me in a world of hurt NetSpend was thinking that I was behind all of this and no I was not I didn't know anything about it until that day they were treating me like a hardened criminal they won't let me in to check my accounts or anything cuz they're closed and then they asked me when was the first time that I activated my NetSpend card I don't know last year sometime then they wouldn't talk to me cuz I didn't have the correct answer go figure but he took {$1200.00} on the XXXX he used it on a prepaid has been card ending in XXXX he used it at the liquor store and they put a block on it but where was my money

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 2022-09-14
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 fraud alerts or security freezes

Complaint:
This complaint in against Experian Credit Bureau. There are 2 complaints. 
1. I have an account with them. When I log in, it asks to verify my identity via phone or text message. The phone number they have is an old number. So instead I choose " security questions ''. When I click on security questions, it takes me to a page that says " Ooops '' and says I should call them. However, when I call them, I can't get a live person. Only automated services. The automated services makes me repeatedly input my data for clearance. It then tells me to go online and reset my password. But when I reset my password, it tells me " Ooops ''. I've been going in circles for 10 days. I've tried connecting with other departments in Experian, just to get a live person to help. No one. No humans work in Experian.

2. When I go through the circle of the automated services, it tells me that my credit in NOT frozen. However, I've been trying to lease a car and every time they do the credit check, it says my account is frozen. 

I can't log into my account to check. I can't get anyone on the phone. I've emailed them. They emailed me back and asked for more account information ( still no human phone number given ). I responded. My account is still frozen and I can't get the car that has been sitting XXXX weeks waiting for me. 

I'm XXXX XXXX XXXX, I've literally started getting XXXX XXXX  from this. I understand your protecting our credit identity, but this is literally ridiculous.

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 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I attempted to login to XXXX and transunion I updated password it went successfully. Went back to main login then it locked my account saying I did to many attempts. It said wait XXXX minutes still gave me the same error message then it said I entered the wrong password. This is all done on purpose I need access now.Transunion has not updated since XX/XX/2023. I can not get the full credit report. 
XXXX has XXXX address on me I only have XXXX address XXXX XXXX XXXX XXXX Fl XXXX please remove all others! 
I only have XXXX name XXXX XXXX XXXX Not XXXX XXXX XXXX XXXX not XXXX XXXX XXXX please remove all incorrect names and addresses from my credit file.

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 2022-09-14
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX 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 XXXXXX/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 2020-01-23
Company: Nelnet, Inc.
State: OR
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:
On XX/XX/XXXX I received a billing statement with an incorrect amount due of {$1100.00} that did not reflect a payment of {$5000.00} made on XX/XX/XXXX. 

I spoke with a Nelnet representative on XX/XX/XXXX who admitted a " system error '' and provided two different Nelnet email addresses for me to raise the issue and seek an official explanation. She also submitted an internal complaint. Seven days and four business days later and I have not received a reply. I called today, XX/XX/XXXX, and spoke with a Nelnet manager who verbally confirmed that the billing statement did not reflect my payment of $ XXXX, but he refused to send any written correction or clarification. He stated that he was simply " not able to do so at this moment '' without providing any justification. 

Because the inaccurate billing statement was sent a full three and a half months after payment, I fear that this payment and perhaps others are being misapplied and/or not being retroactively posted to reflect accurate principal and interest calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I was reviewing my credit and noticed the following inconsistencies which violate my rights as a consumer. The following charge off account listed with XXXX with the account number XXXX has the following inconsistencies and violations. I have attached with this complaint a copy showing all 3 credit bureaus side by side for your review. *The DATE OPENED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late LAST REPORTED is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies. * *The late DATE LAST ACTIVE is inconsistent across all 3 credit bureaus. If all bureaus receive the same information from the creditor, there should be no inconsistencies* *The DATE OF LAST PAYMENT is also inconsistently reported across all 3 credit bureaus. This is also a violation* As you know, the aforementioned inaccuracies are a violation to my right as a consumer and also a clear indication that this information was NOT properly verified upon you receiving it. I have faith in this credit bureau to be an outstanding company and protect my rights under the FCRA. Please delete the account from my report immediately and send me an updated copy of my report with the reflected changes.

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 2019-12-03
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019, coinbase alleges that they declined a purchase order, actually numerous orders somewhere in the ballpark of XXXX usd. I checked and my bank has no recollection or documents proving this to be true. Coinbase sent out an email stating i owe them this money which i didnt authorize in the first place. Now i just sold some cryptocurrency from elsewhere and deposited in coinbase and come to find out they locked my account so i cant withdraw or send anywhere, holding my XXXX in bitcoin hostage. When i called and emailed them,  they said i must pay what i owr, i was shocked. Im not a rich man i worked for this money and expect them to honor that after all the fees and money they made off my customer loyalty. Please help me fix this my family and i would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Why was my account closed when I never verbally asked for it on the call and denied all disclosures? 

On Tuesday evening at XXXX pm, I contacted Capitol One customer support to inquire about my XXXX XXXX credit card account, existing promotions, and the process for closing it in the future. Shockingly, their customer support agent XXXX ( Employee ID : XXXX ), closed my account without my consent. When I requested to speak to a supervisor, XXXX hung up on me. After calling back, I spoke to a supervisor named XXXX ( XXXX ). However, he informed me that once an account has been closed, it can not be reopened. XXXX also revealed that XXXX had asked a back-end employee named XXXX ( XXXX ) to close the account. 

It's clear that they illegally closed my account, and it's evident that this was due to my having over XXXX in miles, which they viewed as a liability. This is why they refuse to reopen my account. This is unacceptable behavior, and I demand immediate action to rectify this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
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 rewards from credit card

Complaint:
I closed my credit card with Citizens Bank because of how they sneak people into signing for online billing statements and then charge exorbitant fees when the person didn't consent to the fine print and doesn't realize they are late on payments. The CFPB should have a class action law suit on our behalf. 

In any case, I received my final bill from Citizens Bank credit card for purchase made from XX/XX/22 through XX/XX/22. Since my card was still open, I should have received reward points of 1.8 % on my purchases. I received XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I opened a loan with XXXX XXXX in XX/XX/XXXX. Payments were consistently made on time. The vehicle started giving me problems so I initiated a voluntary repossession. The car was returned to the lender XX/XX/XXXX. They are continuing to report a late payment to the credir bureaus EACH month. This is almost 3 years old.  There is no way this tactic can be legal. I've written them several times requesting that the stop, but each month, my credit score drops because they are wrongfully reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I specifically requested the loan originator on XX/XX/XXXX we did not want to have a interior appraisal during these difficult pandemic times. He suggested Rocket Mortgage would possibly be willing to waive. We further proceeded with the application. Days passed in which we provided necessary documents were requested. After a few days XXXX XX/XX/XXXX. XXXX ), the appraiser called to schedule the appraisal. We questioned if we was aware it was an EXTERIOR ONLY. He stated he was not advised of that. He additionally stated he was told to perform both exterior and interior. 

Considering the heightened concerns of COVID-19, we were adamant about protecting our home ... our SAFE HAVEN, as well as ourselves. After repeatedly expressing this awareness, Administration/Management has done nothing more than defy our safety and health for the sake of mandating inconsiderate guidelines. 

We were in the process of a conventional loan, but wanted to utilize a VA loan for the first time. The loan originator felt the conventional would save us more. When the dispute carried on for several days, we requested to switch to a VA. Primarily because we were aware interior appraisals were not required. Veterans Administration printed a circular ( page 2- item 2/b )., If either party does not wish to move forward with the interior inspection or does not meet the criteria listed above, the appraiser may move forward with an EXTERIOR-ONLY appraisal with enhanced assignment conditions. Lenders may not direct the appraiser to conduct an interior inspection. 

This statement is found under Purchase or Refinance Transaction ( property occupied ). The items listed above are all relative to NOT HAVING XXXX  symptoms, HAS NOT BEEN quarantined ... none of which applied to us. Therefore, we DID NOT MEET them. Circular XXXX found on Benefits.VA.gov This angered us to know Rocket Mortgage ignorance of interpretation violated our rights to insist on an interior appraisal in order to finalize loan approval. Thus subjecting our safety and health during the coronavirus NOW with deadlier strains that are worse than COVID-19 during the time the circular was initiated ... XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
on XX/XX/23 I received an email to earn {$300.00} for opening up a Chase Business Complete checking account. The fine print stated i need to have qualifying activities which included opening and having a minimum balance, complete 5 qualifying transactions within 90 days. When i sent to the branch on XX/XX/23 to ask about the {$300.00} dollars i was told that i did not qualify for the 5 transactions because my monthly deposits were made at the branch and not electronically. I told them that my checks are around $ XXXX a month and their onlline banking quick deposit did not allow for that large of an electronic deposit, so Chase gave me no choice but to deposit the check at the branch. Because i was not told up front of the online restriction, I did not qualify for the {$300.00} incentive. I asked the bank teller why there is no documentation that says due to online restrictions for max deposit amounts, you will not be able to use the online quick deposit and therefor coming into the branch for large deposits will not qualify. I completed 3 transactions, and if I would have had this information, I would have used my debit card two more times to qualify. This to me is false advertising and misleading to the customer.

Company response to consumer: Closed with monetary relief