BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-02
Company: U.S. BANCORP
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
US Bank put a hold on my account ending in XXXX, I called 3 times and wasted a lot of time waiting on hold and verifying a ton of information with front line customer service only for them to tell me they cant do anything about it and to wait for a call from the bank, I waited and nothing happened. What kind of bank puts a hold on a customer 's account and not take care of it instantly when the customer calls. US Bank is literally preventing people from using their available credit to make purchases that could potentially save their life ( like medicine and food ).

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under section 604 15 U.S. Code 1681B, section 605A 15 U.S. Code 1681C-1, and Section 605B 15 U.S. Code 1681 C-2. 

XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX-inquiry date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-11-28
Company: Experian Information Solutions Inc.
State: NC
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:
You can see my the attached document that XXXX XXXX XXXX is using an unlawful document containing unlawful phi and has submitted this to this portal and has broken the law!

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 2023-08-21
Company: EQUIFAX, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have called, mail and honestly cry alot dealing with this company called XXXX. I have been trying to get this charged off removed from my account. I was told today XX/XX/XXXX that XXXX sold my debt to XXXX XXXX XXXX, XXXX. I have attached a letter from XXXX XXXX stating " We have closed this account and placed it in a status that will prevent it from being sold or reassigned. '' on XX/XX/XXXX by XXXX XXXX from XXXX XXXX XXXX, XXXX. Yet it's still on my credit report. 

I was told by NJ AG that this account would be removed from my credit report due to the XXXX XXXX XXXX settlement.

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 2022-11-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I deposited a check for {$97000.00} at my local branch. The funds were held and I was given no indication in writing was to when they funds would be available, how much or when I could have access. I called multiple times and was told when the funds would be available and why they were held. No one would put anything in writing or help me find the funds or when they would be available. I still have not received the funds. I have attached the information sheet that the bank left blank and would not send me info.

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 2021-12-09
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX of inquiry XX/XX/2020 XXXX  XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair  Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX/ Account # XXXX, ( XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXXXXXX XXXX XXXXXXXX # XXXX ( XXXX XXXX  XXXX # XXXX ) U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: IN
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax refuses to remove collection/negative items or provide an option for online dispute for these inaccuracy accounts from XXXX XXXX Equifax XXXX As shown by the docs provided below, Equifax does not have these accounts on my Equifax credit report, however these accounts are still showing on XXXX XXXX Equifax. I have contacted Equifax via Phone on XX/XX/2023 and many times before that. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I reached out to Amerisave Mortgage Company to refinance my home. I google some of the companies that had decent reviews and options that seem to fit my needs and began the process. XX/XX/XXXX XXXX credit inquiry reported Amerisave Mortgage Company pulled my to refinance my current mortgage. We started the process in late XXXX and I have still not completed the process of today XX/XX/XXXX, this is going on 3 months. 

My credit was pulled 2 additional times after the first inquiry. I was told that I did not qualify for the first 2 options that were conventional loan. My only options would be FHA loan. I was originally promised that I would not need an appraisal and my initial payment would be refunded. Now I am told it will not be refunded or go toward closing but instead it was payment for the appraisal. I have been in my home for 3 years, it has increased in equity XXXX with not late payments of fees. 

I provided them with all document and information as requested including XXXX, XXXX, banking and employment W2 's. I am being told now that 3 months during the XXXX pandemic when the world was shut down a gap in employment does not provide 24 months of employment history. I advised them of all this information early in the application phase via phone, email and web portal but continued to string me along now I am being told I need to bring XXXX dollars to closing and show proof of employment for those 3 months. There original attraction was no closing cost or appraisal fee which was part of the reason I applied with Amerisve Mortgage. 

Currently I am out XXXX dollars for appraisal fee, XXXX dollars supposedly due closing cost, I am back into an FHA mortgage with PMI insurance. I have no closing date and they are still requesting employment history because of 3 months during pandemic. I have worked in construction industry for XXXX years and have never been late on mortgage or missed a payment including during the pandemic. 

Technically I am paying for inadequate service with no result or end insight. I attempted to switch to another refinancing company but was told that would not change the outcome it would be the same issues because all underwriting have my information since I started the process with Amerisave and my options limited. Currently I like I am in an endless loop where the target continues to move with no end in sight. I have send email and required to speak to supervisors or underwriting ; No change or help with resolving my issues. This is completely unprofessional in my experience and do not know how to accomplish my goal o reduce payment and take advantage of lower interest rates.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting ACT, The list of accounts below has violated my federally protected consumer 's rights to privacy confidentiality under 15 U.S.C 1681 section A. States I have a right to privacy.

-15 U.S.C 1681 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. Period.

15 U.S.C 1681c. a ) section 5 ). States : no consumer reporting agency may take any consumer reports containing any of the following items of information, any other adverse item of information, other then records of conviction of crimes which outdated the report by more then 7 years.

15 U.S.C 1681 1s- 2 a ) States : a person shall not furnish any information relating to a consumer to any reporting agency, if the person knows or has responsible cause to believe that the information is inaccurate. 


XXXX account # XXXX in amount of {$580.00} XXXX XXXX XXXX XXXX XXXX in Re : Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: TN
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/22 I received a notification that a new address was added to my credit report and I did not add this to my account also a credit was tried to be opened under my SSN. I did not do this action. 

address added : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am no way associated with this address and XXXX  was almost opened under my SSN on XX/XX/22 I froze my credit but I need these removed from my credit report. I also need a fraud alert put on my credit files so no one has access to my ssn anymore to be able to apply for credit or anything like that.

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 2020-11-30
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: Investigation took more than 30 days

Complaint:
I have followed the guidelines in disputing incorrect account information on my credit report. The credit bureaus have not responded in a timely fashion, which is against the law. I am now exercising my rights to demand the deletion of the unverified accounts listed in the letter I sent them. This has hurt my ability to obtain credit and need this completed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In XX/XX/2020, I made three transfers totaling {$4000.00} to Coinbase. I took positions in 3 virtual currencies. On XX/XX/2020, I requested that my account be liquidated and the funds transferred back to me. I estimate that the value of my account on the day of my request to be {$3200.00}. I have contacted Coinbase on two occasions and was told my request would take five, possibly more, business days to process my request. I have yet to receive any funds, nor has it been explained why my funds are being withheld. I hope you can help me get my money. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: NC
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:
I recently sent letters over 45 days ago to Experian and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Account Number : XXXX. Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX. On XX/XX/2020, I paid off my mortgage to PHH Mortgage Services. However, they did not recognize my pay off until XX/XX/2020. In the meantime they were billing me for another payment. After, and only after filing a complaint with CFPB did the company respond and fix the problem. Now they will not release their lien on the property. One of their letters stated that it may take up to six months to release  it. So, I contact the XXXX XXXX County Recorder to find out if they were back logged on recording mortgage lien releases. They informed me that they were not and that the delay was with PHH. So, I contacted PHH again, who informed me that it would take up to 30 days from XX/XX/2020 " for the release to be completed and submitted to send the SATISFACTION DOCUMENT to the County for recording. '' Interestingly, the date of their letter was  XX/XX/2020, which was already more than 30 days. I have contacted the XXXX XXXX XXXX recorder three times ( the last time today XXXX ) and was informed that they have not received any documentation from PHH to release the lien on my property. As always, there is no sense of urgency until one files a complaint against them. All I want to do is clear this lien. I was a perfect customer. Not once was I late on my payments. Many times my payment was paid early. I truly appreciate your help in the past and have confidence that you can help me again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
The accounts that are not mine which should be deleted are : XXXX  CARD account number XXXX As you will see, many of these accounts have the same opening date. As you will also see from a review of my full credit history, before these accounts were opened, I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were. 
I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 
Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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 status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second complaint regarding unauthorized inquiries on my credit report that I did not make. I have asked XXXX  and Transunion to investigate and delete the following unauthorized inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any others are okay and were authorized, Please delete the ones listed as unauthorized. I also have requested that XXXX   remove XXXX XXXX XXXX from my report. It was removed previously through XXXX  and Transunion because the debt was unable to be validated with a contract and signature. So XXXX  needs to follow suit under FCRA reporting laws.

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