BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-23
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I made my Coinbase account when I was in the XXXX and used it there for a couple of months before moving to XXXX XXXX. Throughout the past couple of months, I 've been using the Coinbase app, but when I wanted to sign in using my laptop on XX/XX/XXXX, I was told to verify my account with my ID. Since I do not hold my XXXX phone number anymore, I had to change my phone number to access my account. That went well. However, as soon as I submitted my ID, my account was XXXX. I contacted Coinbase twice, and I have not yet received any information regarding my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This loan was paid XX/XX/2019 to National Credit Adjusters, ( collection co. ) but when i contacted them they refuse to remove this account from XXXX. 
Contact info for the collection co.- XXXX XXXX XXXX XXXX XXXX , KSXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I've recieved 2 voicemails from a women identifying as XXXX XXXX 's regarding " repayment options '' to my federal student loans.The number left to call XXXX but she called from XXXX. She left a reference # of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: LEXISNEXIS
State: AR
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 contacted LexisNexis and requested my entire personal profile history. I for sometime had been getting wrong identity questions and answers on my identity checks and XX/XX/XXXX was finally able to track down that it was LexisNexis the incorrect info was coming. I received the report XXXX. I took time and reviewed and made a list and contacted LexisNexis by phone on XX/XX/XXXX and took an hour to detail each incorrect name, incorrect addresses that never belonged to me and were never published on my 3 credit bureaurs- they all belong to people I'm not related and don't know- I was told these should not be on my report by LexisNexis representative on XX/XX/XXXX. On XX/XX/XXXX phone call I was told I would get a letter in XXXX days with the information removed. It is now XX/XX/XXXX, and I called on XX/XX/XXXX and today on XX/XX/XXXX and they said there is STILL no results from the investigation. on XX/XX/XXXX they said they would ask for someone to complete it and get back to me in 2 business days. It has been over a week, and they said today on XXXX that still no one has reviewed or made a determination. This causes great difficulty because the incorrect info comes up in 3 of the 4 questions they ask, almost every time I have to use the identity questions to verify myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: TX
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:
To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX XXXX XXXX XXXXThis is a fraudulent account. I have attached an ID Theft Report. XXXX XXXX XXXX XXXX. This Account does not belong to me. XXXX XXXX XXXX XXXX, This Account does not belong to me. XXXX XXXX. This Account does not belong to me. XXXX XXXXXXXX XXXX XXXX. This Account does not belong to me. Public Record US BKPT CT TX XXXX XXXX I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they debt me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. 
INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX  XXXX XX/XX/2020 and XXXX XXXX XXXX XXXX XXXX XX/XX/2020 REMOVE INCORRECT ADDRESS INFORMATION I am disputing the following Address information that is showing for me which is incorrect : XXXX XXXX XXXX # XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX CT XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 

MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX, TX XXXX I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results

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 2020-05-16
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I tried to get an Apple Card online -- I experienced nothing but frustration, and this has been 4 days of trying. The issuer is Goldman Sachs and the Sponsor is XXXX. The system is designed poorly, and the customer service is much, much worse -- I know because I have been a consumer protection lawyer for decades and have owned and run payment processing companies. 

I encountered a problem because my credit freeze was not lifted the first time applied. So I lifted the freeze and XXXX  did not implement timely. So a second fail occurred. I waited a couple of days and was assured that the freeze was lifted. I applied a third time, now that the freeze was lifted, but the processor denied my application for too many tries. 

I called customer service -- an agency working for Goldman and XXXX. They said their policy was strict -- I would have to wait 30 days and reapply. I asked why? No answer -- just " policy ''. I asked to speak to representative of the issuer ( Goldman Sachs ) -- they discouraged this but I insisted. It took 76 minutes to connect with Goldman Sachs! Same response our policy is a 30 day wait. I made the observation that they were not providing a " service '' to high credit XXXX individuals like me that were denied because of their system difficulties. There are other way to authenticate other than try two times and they are done for 30 days. They are not staffing customer support, they are giving lame excuses for a 30 day delay -- the industry standard is one day -- and they have cost me time and money. I was looking to buy XXXX products to make advantage of the discount, but my efforts have been frustrated and delayed by their system architecture, bad and non-sensical policies, and terrible staffing of customer service at the issuer. 

I was told after speaking to XXXX at Goldman Sachs that a supervisor would call me. No one followed up. 

I was told that I needed to use XXXX  if I wanted to lift my credit freeze. That is not my understanding as all three credit bureaus are to work in unison and XXXX or Goldman imposing their choice of a credit bureau on me is overstepping. Nonetheless I tried to enroll in XXXX  -- predictably they wanted a monthly fee. Their customer service said that once I was denied they would have to delete my profile and start again. It was adding insult to injury. 

Goldman is new to card issuing -- they have no business performing this service for XXXX if they cant design a consumer facing platform that applies a consumer friendly design. What sense does it make to freeze the application of a consumer that has good credit for 30 days? 

The bureau should have them justify their poor customer service staffing, and their nonsensical policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Ditech Financial LLC
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: Account status incorrect

Complaint:
We had a unsecured loan for {$12000.00} with Greentree, account # XXXX which was sold or transferred to Ditech ( Companies merged ). Ditech and they said that we did not pay the last {$780.00} on the loan. We paid the full amount, but the payment was made to the original creditor Greentree before Ditech took over the loan. Ditech called and said we owed them! We did not pay them because we did not recognize nor were we notified that the loan was sold to another company. Greentree took payment and did not pass transaction onto Ditech. The blunder from Greentree and Ditech has had an adverse effect on our credit scores. The 30 day late payment as of XX/XX/XXXX has been updated to paid bringing the account to 100 % payment history BUT Ditech has failed to change the account from charge off account to paid account. The account was not a charge off account as we paid Greentree the remaining balanced owed. By Ditech reporting this account has a charge off account were are suffering due to the points our credit scores dropped and since the account was closed on XX/XX/XXXX. We need the account to be updated to a paid account so the points lost and be re-calculated by the credit bureaus. We are being denied a mortgage loan due to the inaccurate reporting of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
I PAID OFF 3 ACCOUNTS WITH PORTFOLIO AND THEY AGREED TO REMOVE THEM FROM ALL CREDIT AGENCIES XXXX XXXX XXXX  ETC ... I PAID THEM ALL OFF AND THEY DID NOT REMOVE THEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX clearly states they ordered TRANSUNION to REMOVE all comments INCLUDING " and dispute investigation completed, consum ; CLOSED '' and TRANSUNION has not adhered nor respected this. Surprisingly XXXX made the correct updates, but TRANSUNION has not executed these changes. I demand TRANSUNION take the proof I am submitting AGAIN & REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : " and dispute investigation completed, consum ; CLOSED '' The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. IDK why XXXX XXXX or any of these credit bureaus put notes on an account I NEVER disputed and that has been archived for years. These people just like to make people 's lives XXXX & disrupt their livelihood.

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 2023-02-08
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
All accounts listed reported to Federal Trade Commission XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Sears credit card since XXXX. I have always paid on time until I was impacted by Covid 19 in XXXX. I was given a couple of extensions due to Covid 19. After 2 exception periods, I have been harassed by Citi Bank. I called on XX/XX/XXXX before the extension expired to let them know that I am still impacted and they said they were going to document the account. I have been harassed after that even before XXXX XXXX PST. This is causing a lot of stress. Around XX/XX/XXXX I agreed to speak to the Solutions team to see what they could offer me to take care of the account. At that time they offer me a 58 month payment plan for {$550.00}. I told them I would not be able to commit to that amount and I could pay {$350.00} to {$400.00} max as I was asking my son to move back and pay rent. They told me several times that they could only offer the {$500.00} for 58 months and advised me several times to call back after XX/XX/XXXX to see what new programs would be available. Several associates let me to believe there could be a better program that may work with my limited budget. On XX/XX/XXXX I called in and when they reviewed the account they told me they can offer me {$560.00} a month so they are charging me interest for another month and the amount has gone up. This company does not care about my account having a perfect payment record for 30 years. They led me to believe i would have other options and I found out that actually the interest has gone up for another month which I could have avoided if they would have been upfront to tell me that if I did not take that offer the next ones would be higher. I could have made a payment of {$550.00} on XXXX but kept heating to wait until after XX/XX/XXXX for other options. This is very misleading and it feels like Citi Bank does not value a relationship and does not accept responsibility for associates misleading. I asked to at least be put back to what they had offer me and they are refusing to work with me. They have no consideration for people who are impacted by the pandemic and are trying to be responsible ene if you have always been on time and have a 30 year relationship. They are forcing me to get into a worse situation. Please help me I am trying to be responsible and they are not working with me. Thanks.

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 2020-11-17
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Total Balance Due on the Account was {$32.00} ( XXXX XXXX  and XXXX XXXX ) as of Saturday ( XX/XX/XXXX ). ACH Payment made by phone for the exact amount ( {$32.00} ) on Saturday ( XX/XX/XXXX ). Confirmation # XXXX - which should have XXXX ( {$0.00} ) balanced the account. 

The Creditor refused to recognize the payment as on-time based on various cut-off times listed on the back of the statement. The account has steadily accrued interest and late fees to The Balance Due is now {$300.00} and is displayed as a negative CHARGE-OFF item on my credit reports ( specifically XXXX  ). After conferring with the creditor by phone and by documentation, they refused to recognize my on-time payment. After making several attempts with the Creditor to resolve this issue, I requested ( by phone and by letter ) that the account be closed out on XX/XX/XXXX. 

I would respectfully like to request the following : 1 ) The Late Payments be removed from my credit report for the following months : XXXX thru XX/XX/XXXX. 
2 ) The Charge-Offs be removed from my credit report for the following months : XXXX and XX/XX/XXXX. 

Note that I was referred to your Agency by the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There is a medical collection on my credit report that isn't mine. Please remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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/2020, I identified a number of fraudulent charges on my account, and immediately notified the Bank of this. I was in the belief that I had successfully submitted a claim for these items. However, the Bank 's agent failed to complete the process. I was therefore forced to initiate the claim a second time. A number of the Bank 's communications were flawed and confusing. Given all this, I have concerns about the timely and fair resolution of my claim. I have attached a letter that goes into much more detail on these matters.

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 2023-05-09
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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 2020-10-09
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2016 I notified XXXX XXXX that I would be moving. The Manager at the time said I needed to give 60 days notice vs 30 days. I would have to pay rent for the last 30 days ( XXXX  ). I went to move the last of my personal belonging out of the apartment on XX/XX/XXXX, the locks had already been changed. I went to the Office to pay XXXX 's rent, but the Manager told me that even if I pay XXXX 's rent she was not letting me into the apartment, because I had given a 30 day notice. I argued that I was still paying XXXX 's rent so, I should be allowed access to the apartment until the end of the month. She said no. I didn't not pay XXXX 's rent and was not allowed to recover my personal belonging that were still in the apartment. XXXX XXXX also kept my deposit of {$720.00} dollars. ( not positive this was the amount of de4posit,  but I do know it was the same as the rent ) I've disputed this through the XXXX  and the reply was " Completed investigation of FCRA dispute-consumer disagreed ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Holloway Credit Solutions in XX/XX/2021 requesting a verification of debt regarding an alleged debt in the amount of {$5500.00} they have reported to my credit report. I received correspondence by mail from Holloway Credit Solutions dated XX/XX/2021 in response to my request of verification. I do realize that some financial information must be shared with companies regarding debt, however debt collection agencies are not allowed to send me copies of my personal health information, the health entity can only do this. Due to this being a medical bill, Holloway Credit 's proper protocol was to have the medical entity send me my personal health information for verification purposes. Holloway Credit, as a debt collection agency is not allowed to DIRECTLY send me any transactions regarding the type of XXXX XXXX I may have had performed. This information would have to come directly from the facility or physician that provided the service ( s ). Holloway Credit sent me a copy of my personal medical information and this is a violation of HIPAA laws. This means that my information has been viewed by people that I do not want to see my health information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear Sir/Madam Huntington Bancshares Incorporateds transfer to a Fraud Scam Broker XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: WELLS FARGO & COMPANY
State: MN
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:
On XX/XX/XXXX I submitted a complaint stating my credit reports were in accurate. 
Wells Fargo had reported a first major delinquency on XX/XX/XXXX on my home mortgage to all four credit bureaus. Wells Fargo investigated and said there was no delinquency reported. I received a copy of all four credit  bureau investigations. Three of them had the errors corrected. XXXX  did not. XXXX  is still reporting a first major delinquency on XX/XX/XXXX. On XX/XX/XXXX I spoke with Wells Fargo explaining that XXXX  stills shoes the first major delinquency on XX/XX/XXXX. Wells Fargo again said they never reported it delinquent. XXXX says it can not change it because Wells Fargo denies reporting the major delinquency. I have attached the XXXX  Credit Report that was sent to me. The error I am disputing ins on the bottom of page 12.

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