BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian on complaint # XXXX states that changes and deletions ca n't be made as of XX/XX/XXXX due to the information provided. I have provided the copies from XXXX XXXX XXXX XXXX there has never been no other documents sign nor giving to me by XXXX or any binding agreement other than XXXX XXXX XXXX transferred the loan. 
There has been no documents furnished by Experian to XXXX or no proof of documents to the loan XXXX nor and documents furnished. Only documents furnished was XXXX XXXX XXXX XXXX in which they sent XX/XX/XXXX by XXXX stating they did not supply delinquency information to credit reporting agencies. This loan was done XXXX so where is the reporting on payment history from the begging of the loan and why is there nothing showing from the start of the loan of XXXX. There is the wrong complete amount by Experian to the loan XXXX provided the loan amount {$25000.00} and Experian has {$24000.00} so Experian does not have the original amount of the loan as they have stated on the credit report. Nor does it show or can provide any reporting by XXXX. 
Experian Complaint # XXXX Experian states back to CFPB that this does not show on my credit file I have provided the copy saying it does not show on my credit file and Experian States to CFPB it does not show on my credit file. Experian also states error in amounts and the loan open XX/XX/XXXX not as Experian states or my documents from XXXX XXXX XXXX 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 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 filed bankruptcy about 2 yrs ago or so and had a clean slate but not everything seemed to come off or appeared later that I have 0 clue what it is. There 's a XXXX XXXX card that wo n't remove itself even though it was included in my bankruptcy. 

I 've only applied for 3 things XX/XX/2017 XXXX XXXX XXXX.. my credit card XX/XX/2017 XXXX.. A car XX/XX/2017 XXXX XXXX XXXX A 2nd car myself.. 

All the other inquiries I was informed could be part of a glitch and before I filed bankruptcy and seemed to pop back on someone. Please remove all these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today, XXXX XXXX 2018, I checked my credit report to inquire about a recent credit inquiry that I did not authorize. The creditor was Equifax. I tried calling their customer service, and was told to call another number that was invalid. 

I then tried to resolve my information online, but their website claimed my information was incorrect so I was unable to access any information or help. I tried calling a different number on their website to access their fraud department, but was met with an automated message that was entirely unhelpful. 

I called their customer support line again, explained the situation and how I needed to speak to a supervisor. The representative told me there was nothing they could do besides giving me the same number I had called before, providing me with no more help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Ceannate
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX XXXX XXXX has sent me a letter from the University XXXX XXXX about 3 courses that I completed which they said never got paid for and I owe a balance of {$4600.00}. These 3 courses were paid for with my financial aid that I received around XX/XX/2017. I 'm in the process of transferring to a new school, and I was told by student adviser that if I had a past due balance that they would not send my official transcript. But they did send my transcript to my new college that i 'm applying to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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:
My name is XXXX XXXX, I am of sound mind and age of majority. XXXX, XXXX furnished incorrect private information about me to credit reporting agencies. I am deeply saddened by the effect it has had on me as a consumer protected by federal law. Please see the attached proof of XXXX, XXXX requesting the aforementioned information to be deleted.

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 2021-12-04
Company: EQUIFAX, 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:
EQUIFAX HAS BEEN NOTIFIED OF AN INACCURATE ACCOUNT THAT THEY ARE REPORTING ON MY CREDIT REPORT AND THEY HAVE YET TO RESPOND OR REMOVE THE ACCOUNT. BOTH XXXX AND XXXX HAVE REMOVED THE ACCOUNT. EQUIFAX WAS NOTIFIED ON XXXX XXXX. IT HAS BEEN LONGER THAN 30 DAYS AND THEY HAVE FAILED TO COMPLY. I HAVE ATTACHED DOCS TO SUPPORT MY CLAIM THAT BOTH XXXX AND XXXX REMOVED THE ACCOUNT. I WILL ALSO INCLUDE THE LETTER THAT WAS MAILED TO EQUIFAX ON XXXXTHE ACCOUNT THAT IS INACCURATE AND SHOULD BE REMOVED IS AD XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sent a wire transfer of {$68000.00} via XXXX XXXX to XXXX ( Part of Coinbase ), which arrived at their bank account in XXXX XXXX NY. The funds were confirmed transferred and a wire return has not been initiated, but the funds were not made available in my XXXX account. 

I 've contacted Coinbase/XXXX by multiple means. I 've submitted a claim on their website, called in, and escalated my case via their services, but have yet to hear back about my money. 

My Case Number is # XXXX, and that should provide all the information that is necessary for the company to identify me and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I call Bank of America and they transferred me to their investment office in XXXX Washington I remember talk to Mr. XXXX where he look up my record and he said he could not access my account because my ex-wife was on my account but he said that my wife name was XXXX but maybe he could not read because her name is XXXX. I call their main office in XXXX, North Carolina and they never answer me I file a case in XXXX county court for discovery and they did not know where to file it and they sent to the appeals courts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: EQUIFAX, 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:
XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX XXXX collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than 3,600 dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over 1000 dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. XXXX solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX  and Equifax ). The data across the other credit bureau are not consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. XXXX  completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: TD BANK US HOLDING COMPANY
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:
To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX & XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the XXXX that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 want XXXX account and collection removed from my credit reports. Ordered products from XXXX all the way back in 2013, never received my order as it was sent to an incorrect address I no longer lived at in a different state. I dont know how they got that address as that's not what I put. When I saw it was being shipped to incorrect address I contacted right away to inform to change address as it hadnt actually shipped yet. They refused to change to correct address. After they shipped, I contacted fedex and they said the shipper could change the address with them for delivery. They would not. Was delivered to my old address in different state. I even contacted apt office at that address and they said my package was delivered there but they gave it back to fedex to return to sender since I didn't live there anymore. XXXX should have received package back but still kept my bill for order as is. They would not reship to me. Obviously I was not going to keep paying for an order and goods I never received. No one would help me with this and ended up getting bill sent to collections with collection account and closed/charged off XXXX account show on my credit report which is not fair again for goods I never even got. Collection company would not remove when I disputed. I have screenshots from 2013 of all the emails I sent to XXXX informing about the address and trying to get them to do something.

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 2019-01-22
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland funding is sayin I owe almost {$3000.00} but Ive never done any business with them or even heard of them its hurtin my credit Im tryin to buy a house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A Domestic Wire Transfer was initiated on XX/XX/2021 for {$9200.00} from Chase Bank to a XXXX Bank account. The money was never received by the account recipient. Chase removed the amount from my account and claims it was sent to XXXX Bank. XXXX Bank claims they never received the funds. After numerous phone calls for 2 days straight both banks claim they do not know where the transferred money is. Todays current date is XX/XX/2021 and there is no news on where the wire is. Neither bank is taking accountability for the money. They continually bounce me around to other departments on the phone claiming there is nothing they can do. Each bank says the problem is with the other bank and try to release themselves of responsibility and offer no assistance in communicating with the other bank to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Experian Information Solutions Inc.
State: OR
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 want XXXX  account and collection removed from my credit reports. Ordered products from XXXX all the way back in XX/XX/2013, never received my order as it was sent to an incorrect address I no longer lived at in a different state. I dont know how they got that address as that's not what I put. When I saw it was being shipped to incorrect address I contacted right away to inform to change address as it hadnt actually shipped yet. They refused to change to correct address. After they shipped, I contacted XXXX  and they said the shipper could change the address with them for delivery. They would not. Was delivered to my old address in different state. I even contacted apt office at that  address and they said my package was delivered there but they gave it back to XXXX  to return to sender since I didn't live there anymore. XXXX should have received package back but still kept my bill for order as is. They would not reship to me. Obviously I was not going to keep paying for an order and goods I never received. No one would help me with this and ended up getting bill sent to collections with collection account and closed/charged off XXXX account show on my credit report which is not fair again for goods I never even got. Collection company would not remove when I disputed. I have screenshots from XX/XX/2013 of all the emails I sent to XXXX  informing about the address and trying to get them to do something.

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 2019-01-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
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:
On XX/XX/2018, a hard inquiry was made by Capital One without my permission or properly notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: EQUIFAX, INC.
State: CA
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:
Equifax failed to protect my private information and has caused me to have to purchase credit monitoring and locking features from them and from the other two credit blackmailing services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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:
My name is XXXX XXXX, I am of sound mind and age of majority. XXXX, XXXX furnished incorrect private information about me to credit reporting agencies. I am deeply saddened by the effect it has had on me as a consumer protected by federal law. Please see the attached proof of XXXX, XXXX requesting the aforementioned information to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Citibank reference # 's : XXXX and XXXX I am the executor of my Aunt 's Estate. She had various checking and retirement accounts with Citi. I was able to close the checking accounts at a local branch, but they were unable to take any action on the retirement accounts. 

I have sent correspondence to Citi XXXX XXXX XXXX in XXXX XXXX, TX with the required legal documentation demonstrating that I am the executor ( with an original of the death certificate ) requesting that Citi identify to me the number of accounts that remain active and who the beneficiaries are, if any were named. 

My letters are datedXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which also included withdrawal forms Citi asked me to complete. 

On XXXX XX/XX/2021 Citi issued XXXX checks to the estate of my aunt in the amounts of {$5500.00} and {$9700.00}. There was no explanation at all and no reference to the type of account the funds came from, or the account numbers. All I got were checks in an envelope marked " XXXX XXXX ''. No statement was provided to indicate how the amounts were determined. 

XXXX months after asking Citi to provide me account information and balances, I still have no response. I have no idea what accounts were open, what the balances were and whether some or all of the accounts have now been closed. 

I have made it very clear in my correspondence that by not providing me the information to which I am legally entitled, Citi is delaying the closure of the estate. The lack of responsiveness of this group, and the inability/unwillingness to respond to specific questions, has been very very frustrating. 

My specific request remains exactly the same. Tell me what retirement accounts my aunt had active at the time of her death. Tell me the account balances. Tell who the named beneficiaries were, or if there were none. And please close all the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
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: Credit inquiries on your report that you don't recognize

Complaint:
I DISPUTED UNAUTHORIZED INQUIRIES ON MY CREDIT BUREAU FILE AND THE BUREAUS REFUSE TO REMOVE THEM. THEY ARE IN VIOLATION OF FCRA AND STILL REFUSE TO REMOVE THEM. I WAS RECENTLY DECLINE FROM OBTAINING A REFINANCE ON MY AUTOMOBILE LOAN DUE TO THESE ISSUES.

Company response to consumer: Closed with explanation