BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: KS
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:
On my Equifax credit report I have an incorrectly reported {$50.00} balance owed to my university. I have disputed this balance twice with Equifax, as the account balance was settled in XX/XX/2019. I have also checked with the University to determine if the issue is on their end, but they have stated both times that the balance is reflected as settled on their end as well. I had to dispute this account on my XXXX credit report and it was settled and taken off immediately. 

Equifax suggested I get in touch with the University to expedite the process of having the incorrect balance removed, and it has done nothing. I don't understand why Equifax can just keep an incorrect balance on my report as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: BAM Management US Holdings Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Binance.US wouldnt allow me to take out my money and its been over a month which caused me to lose a few XXXX dollars! 
Ive tried contacting them multiple times and Ive never received a reply!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This collection company has been trying to collect on a debt since 2016. For an old cable bill. And calling me and saying they have a fax order to deliver to me. But do n't send it. The bill is from a old cable bill Bright house in witch sold out to XXXX XXXX. 
When i called spectrum stated that they did not want my money on this bill. And when the collecting agency and threaten me with court. and this company has been calling with all different numbers. 
And i called them and told them not to call my number they persist calling. Now they are using a privet number witch i blocked. And when the numbers show up on my caller id they say spam or fraud.

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 2019-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Saks Credit Card Company is consistently charging a late fee even though payments are made on time every month! Company intentionally adds charge then removes it, which has an affect on the balance of account, fees and interests charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: N.A.R., Inc.
State: UT
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:
North American Recovery # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The North American 's original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: OH
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:
THIS INQUIRY SHOWED ON MY CREDIT REPORT AND I DID NOT AUTHORIZE ANYONE TO PULL MY REPORT. MY REPORT HAVE A CREDIT FREEZE LOCK. SO I AMAZES ME HOW THEY COULD HAVE MAY AND INQUIRY OR GIVING ACCESS TO MY REPORT. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2018-03-19
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I prepaid property taxes and am supposed to get a refund of escrow property tax collection from my mortgage company ( PNC ). I have contacted them several times and they have not submitted the necessary information to my local tax collector to begin the refund process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Applied Data Finance, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
on XXXX XXXX received a pre-qualified offer for a loan ... I went to their online application completed the information and was quoted a 98 % apr. for the use of money ... .A competing company quoted me 13.5 % for the same type of loan. XXXX needs to be investigated on the loan rates they are quoting people and the legality of their rates. 

this is their official offer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Months {$6500.00} 98.50 % {$260.00} biweekly 36Select Other offers you may want to consider AmountEstimated APR*PaymentsLoan Months {$5000.00} 98.50 % {$200.00} biweekly 36Select {$7500.00} 98.50 % {$300.00} biweekly 36Select {$3500.00} 98.50 % {$140.00} biweekly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The XXXX XXXX XXXX original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The XXXX XXXX 's original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.

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 2019-09-24
Company: MicroBilt / PRBC (formerly CL Verify)
State: OH
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:
THIS INQUIRY SHOWED ON MY CREDIT REPORT AND I DID NOT AUTHORIZE ANYONE TO PULL MY REPORT. MY REPORT HAVE A CREDIT FREEZE LOCK. SO I AMAZES ME HOW THEY COULD HAVE MAY AND INQUIRY OR GIVING ACCESS TO MY REPORT. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have set up automatic payments with Bank of America to pay my credit card statement balance. Later on, I did not see the automatic payment on my account. I am not sure if it was mobile application issue or system change, but after 1 year my automatic payments stopped occurring. Later, I started checking my payments to my credit card. I realized the payments did not work couple more times and paid manually. For example, the statement due date was XX/XX/XXXX. I checked on XX/XX/XXXX and saw there is no automatic payments going to the bank. I directly send payment by app manually. Surely, the payment was reflected on my account XX/XX/XXXX or XXXX because of processing time even though I have sent the payment on time. After months, today, I realized that the bank has charged me late fee and interest for those payments to them. I called them. There were multiple charges each of them around XXXX dollars. They said they were only able to refund the last one and I needed to contact credit bureau for fixing this.I would like to receive my money charged for late payment which were not late and delete those from my credit history. 
XX/XX/XXXX, XXXX USD ( This one might be refunded in couple of days by the bank ) XX/XX/XXXX, XXXX USD XX/XX/XXXX, XXXX USD

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 2020-05-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As best I can tell I've made a dispute on all the credit services about the same debt. It comes back negative lender verified information. XXXX  file number XXXX Portfolio Recovery is the collection agency, I called them XX/XX/XXXX talked with XXXX XXXX and asked her politely about XXXX  now XXXX XXXX   {$2800.00} total owed on account. She described to me that sometime in XX/XX/XXXX the balance was {$1500.00}. I asked what document she was viewing because I stopped living at the location XX/XX/XXXX and moved to XXXX XXXX and was aware of any bill owed and indeed I did have a charge account for my business since XXXX for computers, printers etc. I closed the XXXX planners in XX/XX/XXXX. I was not using the account. I filed for SSA  XXXX  in XXXX and was awarded SSA XX/XX/XXXX it was further back-dated to XX/XX/XXXX. When I moved from XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX I suspended all mail. She XXXX XXXX explained several additional charges were made in XXXX and XX/XX/XXXX and XXXX respectively, I did Not live in the usa at the time. My wallet went missing and i lost a shell card andthe XXXX card as well as my XXXX debit card, i did not realize they were missing until i reached XXXX. I believe that charges were made to the XXXX account because the collector now states the new debt is {$2800.00}. How could it almost double in short time? accordingly I expect proof of debt they say I owe, rather I suspect subsequent charges to be validated as to when additional charges were made and what was indeed purchased

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt is out of statue and when they call me they said something about being sued for the debt. They are also continuing to report this to mt credit bureau when it is out of statue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: I.C. System, Inc.
State: NY
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:
On XX/XX/2020, I C SYSTEM INC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I C SYSTEM INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: CA
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:
There's a credit card account on my credit report which was for a business, not individual, that has also since been settled and closed back in XX/XX/2014 ( XXXX XXXX XXXX ). This has not been removed off my credit report despite multiple requests.

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 2018-02-19
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My account is in default because I haven't paid on it due to very low income. Now they are taking my whole entire refund. When I have a child that now I can't even take care of. My tax money was going to be used majority on my child. The struggle is real. I tried to go on the rehabilitation program but instead they just reduce what I owe and only have a month to payback XXXX. First I'm not rich I'm poor so how can I pay XXXX within a month if I don't make nearly that in a year. I don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Disputed information on my credit report through Equifax in XXXX and have yet to hear the results. By law I must be notified in 30 days or disputed information is removed. Disputed information still on my credit report and no notification or response from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I need access to my money. There is no excuse for these delays unless this is criminal theft. I am starting to get into another bad situation with my bills. This has been held up for over two months now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: Experian Information Solutions Inc.
State: AZ
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 have made multiple attempts with Experian to fix incorrect information on my credit report regarding a closed credit card account. The account was re-dated in XX/XX/XXXX as  failure to pay after being paid off in XX/XX/XXXX. It's negatively affecting my credit score and every time I attempt to have Experian fix it, they come back less then a week later stating they have re-investigated and nothing changes. I feel that my rights under the Fair Credit Reporting Act have been violated by this incorrect account information and Experian 's unwillingness to correct the 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 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Child Support is being reported on my credit report like it is a loan. I did not receive any money from XXXX XXXX XXXX so why is it being reported as a loan. There are already state services that can be revoked by not paying child support. That is there jurisdiction. Credit 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 2019-09-24
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I don't know anything about this and it just appeared on my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: PA
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 sent XXXX removal 41 inquiries of credit file. Called XXXX and spoken to an assistant for an hour. To date, company failed to remove inquires off credit file. Company continues to furnish improper information on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX, 2020 To Whom it May Concern : I had a promotional plan for a purchase at XXXX on a Comenity card. I had to pay off the purchase by XXXX 2020. The balance to be paid off was {$450.00}. I paid {$450.00} on XXXX/XXXX/2020. They did not apply the {$450.00} to the purchase. Instead applying it to the amount due in later that month. They then in XXXX charged me {$410.00} in interest. I contacted them and spoke with four separate people and spent hours on the phone. Although each person I spoke with said that the payment had been received to pay off the promotional plan they said that I hadn't paid the " current amount due '' of {$35.00}. That {$35.00} was not yet due and when it came due they applied some of the {$450.00} to the {$35.00}. That then allowed them to charge me the {$410.00} in interest. No one would correct the problem. This is wrong and they refuse to correct it. I need help please from someone. They will not fix the problem. The highest level I spoke to was XXXX ID # XXXX. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
My account with Coinbase has been " temporarily disabled '' since XX/XX/2018. 

My account was frozen by Coinbase after I reported a 3rd party was attempting to access my account. 

In the last 4 weeks I have emailed and called on numerous occasions, trying to have this restriction removed. Support staff keep telling me " specialists '' are looking at my case. Apparently these " specialists '' only operate via email and the support staff has no way to contact them. 

I have several thousand dollars being held captive by Coinbase and I feel nothing is being done to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Unable to access my dispute results with Equifax. I received an email saying I could log into see well I tried to log input the dispute case number. I got the following message below It looks like we need more information to securely match you to your dispute file. Our consumer care team is ready to assist you with that. Please call us at XXXX between XXXX XXXX   until XXXX XXXX  EST, seven days a week so that we can help. 

I even tried to call today XXXX XXXX went through the prompts waited for a rep only to be deconnected several times .today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Hello, I opened online an platinum checking account with a {$400.00} promotional bonus after certain requirements are met. I have tried for a week to confirm that my account is coded correctly as I have received no confirmation of the {$400.00} bonus is attached to my account. 
1. An online inquiry sent on XX/XX/18 has gone unanswered as of XX/XX/18. 
2. A call to customer service has been met with we do not have that information.

3. A call to web account opening department has been met with we can not see that information.

4. A transfer from # 3 above to the sales department had me transferred back to # 3 above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
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: Was not notified of investigation status or results

Complaint:
After reviewing my credit report, I noticed some unauthorized inquires reporting and It really impacted my score. These companies have not responded with any updates on the investigation. I have took matters into my own hands and filed a complaint through the FTC. The report number is XXXX This goes against the FCRA guidelines. I need these removed so I can actually apply for a line of credit on my own. Having these inquiries reporting are hindering and will make it really hard for me to get approved. I have attached my identity theft report along with my identity documents for verification.

Company response to consumer: Closed with explanation