BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX. They were supposed to respond with the results within 30 days, but they did not. I have since sent follow-up letters to both, but we still haven't received our results. They have had 3 months to respond, and we are still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : This letter is after exhausting all avenues on a current/past situation with Barclay card Frontier credit card. XXXX of XXXX I traveled to Florida for vacation. In order check in my return flight I had to pay with a credit card. I used my XXXX card and paid {$120.00} dollars. When I received my Frontier Barclay Card statement in XX/XX/XXXX, that is when I saw that they auto charged my account for the same amount of {$120.00}. I called Barclay to dispute the charges, sent the statement for my credit card that I used to pay for check in. Called to follow up with Barclay and they said they never received the fax. So I sent it again, this continued for months- with sending the fax statements and being told that they never received the proof. Barclay also advised me to go dispute charges with the other credit card company and I refused that, because I personally paid with that card ( I was not going to dispute something that I paid for ). This continued, within that time I also paid off the balance with Barclay of over {$2000.00} minus the {$120.00} just to close the account and continue to dispute the charges. In XX/XX/XXXX, while this was still going on, I faxed again the statements and Barclay sent a letter to tell me that they received the statements but unfortunately it was past the dispute range and expired. As you can see that I was beyond frustrated- why would I pay a huge lump sum and leave {$120.00} on the account if I owed that. I still call about every 6 months, because now, they put me in collections for {$400.00} and yet I can't even settle that because it has been charged off and they have no way to apply a payment. This has gone way too far on the credit cards part and I feel that proof and faxes were intentionally disappearing or they were giving me the wrong fax number- to where the statements and proof just got dismissed, until they saw that the faxes and the dates of my dispute went out of the range. I would like for this case to be settled and off of my credit report, as it has not only been an emotional mess - when you would be able to see that I have an excellent history of paying bills and not debt with credit cards whatsoever. This whole situation has sabotaged me with lenders and prevented me being able to buy a house with the best credit score I can have if this was not on the report. Please consider reviewing and settling this account in any way to release what is not even my liability.

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 2021-03-29
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a complaint about the company coinbase. They are an online platform for purchase of different crypto currencies. I signed up with them on or about XX/XX/21. 
Long and short of it is that they proved useless for my purposes of investing. Have been simply trying to get my XXXX deposit back and have not been able to do despite repeated efforts to do so. 
Now my account with them is locked and they have my money. I want nothing to do with them any further and just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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: Account information incorrect

Complaint:
XXXX XXXX # XXXX is reporting erroneous lates to my account that I should not have. I made my payments but for some reason the payment was returned. My XXXX   account that I used to pay was valid and I had money in there, my bank drafted a letter for XXXX XXXX stating that there was no reason on their end or mine that the payment was returned. This was an issue with XXXX XXXX and I would like these lates removed off of my account.

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 2021-02-02
Company: Convergent Resources, Inc.
State: TX
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:
Twice I've disputed this account with Convergent Outsourcing and I still have received nothing at all from them! This is a violation of the FCRA! They are required by federal law, to send me the same information that they are reporting to the credit bureaus! I DEMAND JUSTICE! PLEASE HELP ME!

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 2018-02-11
Company: EQUIFAX, INC.
State: MI
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 disputed with this company back in XXXX the company is XXXX. They didnt send me any method of verification stating a original signed contract with my signature because according to Section 609 of the FCRA it has to be proof of a original signed contract with my signature. This company just continues to report this on my credit report and being that XXXX has so many names and addresses on my file I didnt sign up for this.Please reach out to this company XXXX to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
someone tried to open a credit card on my name and now my credit history/report is completely locked.

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 2020-09-07
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: Their investigation did not fix an error on your report

Complaint:
XXXX  Credit provides " guidance '' on improving credit scoring. When I follow THEIR guidance nothing happens! I had a XXXX credit score. " Now, it's XXXX! WITH NO CHANGE IN MY PAYMENT HISTORY! To refinance my home at the best rate, 2.25 %, I need an XXXX. My credit is " EXCEPTIONAL '' { XXXX  's words not mine } and indeed it is! NO missed or late payments EVER. YET month after month NO VIABLE INCREASE. I guess their " scoring rules '' use things like " length of credit accounts '' which I have NO CONTROL over except MORE WAITING for time to go by! This is XXXX and XXXX. THE XXXX XXXX NEEDS TO STEP IN AND MAKE THESE CREDIT COMPANIES BE REALISTIC! They REFUSE to do it on their own!!! If I am, by THEIR OWN WORDS, " Exceptional '' WHY isn't it designated XXXX NOW!!!??? IF CFPB is a watchdog agency, where are the REPERCUSSIONS for these companies? Reaching AN IMPOSSIBLE STANDARD is NOT a " Standard ''. Also, as SOON AS YOU LOG IN, one is MET with PAY US {$24.00} A MONTH and things will be better! SCAM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I contacted TransUnion the week of XX/XX/XXXX to inquire why they deleted two of my positive reporting tradelines, XXXX XXXX and XXXX XXXX both have a {$5000.00} credit limit available each. The representative I talked to told me that they were on my credit report. However, after seeing my report and personally reaching out to both creditors, XXXX XXXX and XXXX XXXX, they confirmed and are working with TransUnion to place the tradelines back on to the credit report and surprised to find out that they deleted both tradelines. 

This is effecting my credit worthiness and my FICO score. 

In addition to that, I noticed that TransUnion added missed payments to my XXXX account today, XX/XX/XXXX, that is paid and closed. Please remove what you added today since the account is closed and the missed payments are effecting my FICO score. 

TransUnion continues to add and delete remarks to the XXXX XXXX account which should be removed since the information is inaccurate. This account was fraudulently opened and I have sent several letters and correspondence to the credit bureau. 

Last but not least, I reported to TransUnion XX/XX/XXXX that I surrendered the XXXX with XXXX XXXX XXXX and that the reporting balance was inaccurate. Instead of TransUnion changing the status of the account they reported it as charge off and added a missed payment. I contacted the creditor with a notarized certified letter and still no cooperation from the company. The inaccurate, unverified information is effecting my credit worthiness and requesting to be removed and/or 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 2020-09-07
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: Their investigation did not fix an error on your report

Complaint:
XXXX  Credit provides " guidance '' on improving credit scoring. When I follow THEIR guidance nothing happens! I had a XXXX credit score. " Now, it's XXXX! WITH NO CHANGE IN MY PAYMENT HISTORY! To refinance my home at the best rate, 2.25 %, I need an XXXX. My credit is " EXCEPTIONAL '' { XXXX 's words not mine } and indeed it is! NO missed or late payments EVER. YET month after month NO VIABLE INCREASE. I guess their " scoring rules '' use things like " length of credit accounts '' which I have NO CONTROL over except MORE WAITING for time to go by! This is UNFAIR and UNJUST. THE US GOVT NEEDS TO STEP IN AND MAKE THESE CREDIT COMPANIES BE REALISTIC! They REFUSE to do it on their own!!! If I am, by THEIR OWN WORDS, " Exceptional '' WHY isn't it designated XXXX NOW!!!??? IF CFPB is a watchdog agency, where are the REPERCUSSIONS for these companies? Reaching AN IMPOSSIBLE STANDARD is NOT a " Standard ''. Also, as SOON AS YOU LOG IN, one is MET with PAY US {$24.00} A MONTH and things will be better! SCAM!!

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 2020-05-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED. 
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT. ALL THE GIVEN DISPUTE LETTERS ARE IN VIOLATION OF THE FCRA DEADLINE DATES TO RESPOND TO A DISPUTE AS OUTLINED UNDER THE FCRA. YOUR FIRM COMMITTED ELEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Credit Plus 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:
It Stared with an old XXXX XXXX XXXX I used to owned with XXXX XXXX I was doing my own investigation who has the phone on XXXX XXXX XXXX. The phone was located Somewhere in XXXX, NY and also at a near by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NY where the crime took place in XXXX. The suspect are not making any payments of the Funds {$900.00} dollars. The suspect or suspects are still using the same phone number. My photo picture is still at use as a wallpaper when making a phone calls and the name XXXX still appearing.They are not making payments back. They hold Monthly payments of XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX Credit Score Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: SENTE MORTGAGE
State: TX
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:
Sente mortgage did a hard credit inquiry without my consent in an attempt to provide a mortgage when I already told them that their rates were too high

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I, the consumer and natural person was denied credit by Comenity Capital Bank when I applied for {$11000.00} for a dental procedure with XXXX XXXX XXXX I, the consumer entered into XXXX credit transactions with Comenity Capital Bank that took place on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The transactions was of no benefit to me. That action was a willful act to disregard 15 U.S. Code 1602p. This is solid proof of the unauthorized use of my credit card by Comenity Capital Bank. My credit card was charged directly by your company with willful intent to deny me of my right and defraud me of the money obtained through this transaction. 

As the cardholder my credit card was used to apply for credit. Each time I was denied my right to credit which is unlawful. I, the consumer exercised my right to credit in good faith and was discriminated against without the proper explanation. According to the Dodd-Frank Act amendments creditors are required to provide applicants with written valuations developed in connection with all credit applications. Comenity Capital Bank did not adhere to the ECOA or provide the consumer with where they got the information from that caused the illegal denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Experian Information Solutions Inc.
State: SC
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:
This XXXX XXXX XXXX XXXX auto loan item was inserted onto my credit file and I did not receive any notification at all via mail. 
Im supposed to be notified at least 4 days before reinsertion. 

I need this account removed and blocked from my credit report ASAP. I have filed a new identity theft report as well have the notarized affidavit to certify that this XXXX XXXX  account does not belong to me. 
Account number is in the letter.

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 2018-02-11
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or about XX/XX/2018 I reported a error to XXXX. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called Regions and had a letter in my hand within a week.

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 2018-09-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient continues to deduct additional payments over the agreed upon amount from my checking account each month. 

In order to receive their payment rate reduction, we had to sign up for automatic withdrawal. They are withdrawing over {$900.00} per month as opposed to the agreed upon {$640.00}, a {$250.00} discrepancy. When my wife calls, she is directed to the collections department even though we are, and have always been current with our payments. 
These loan amounts, many of which were accruing 17 % interest for years of deferments, have ballooned to well over {$200000.00}. All of her education was conducted online. It seems like this is one of the biggest scams in the history of our country. Im honestly appalled by this enslavement of an entire generation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied online for a credit card from Walmart through the linked website of XXXX XXXX, Creditor XXXX XXXX XXXX XXXX XXXX, FL XXXX I was denied due to an " insufficient credit history on file ''. 

It seems to me, if a credit history was needed, I could have been given the opportunity to provide credit references, as they do not appear on the XXXX Credit Report the Bank used for reference, nor on the initial application for the credit card.

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 2021-02-02
Company: NATIONS LENDING CORPORATION
State: FL
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:
XX/XX/20 : XXXX XXXX  XXXX  XXXX XX/XX/20 : XXXX DBA XXXX XXXX XX/XX/20 : XXXX XXXX/Nations lending XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) Credit plus/nations Lending ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and Nations lending pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, 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 2018-09-19
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
A loan was processed on my home without my signature

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 2019-11-15
Company: Experian Information Solutions Inc.
State: SD
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 XXXX XXXX, 2019, I disputed for the third time an account named XXXX   with Experian. This account should have never been on my report in the first place, since I was never given notice of this debt and did not know of its existence until my credit monitoring service noticed a delinquent account. Upon verifying the legitimacy of this account, despite never receiving notice, I promptly paid it in full ( paid XX/XX/2019 ). After disputing it three times, Experian still had the balance only paid partially ( {$240.00} as of XXXX 2019 ), and still has a past due balance of {$56.00} showing in XXXX and XX/XX/2019, despite being provided with the receipt showing the full {$310.00} paid in XXXX 2019. 

The original creditor admitted sending a notice letter to an address they knew I no longer resided. They had knowledge of my new address ( to which I had moved more than a year prior to the supposed notice letter they sent ) and still failed to send notice to the new address.

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