BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. There are fraudulent accounts on my credit profile that needs to be removed immediately. I have never had accounts with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, I never have had any credit cards in my life. I have never lived at any of the addresses listed on my report and my name is not 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 2020-02-06
Company: AMERICAN EXPRESS COMPANY
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:
I had three AMEX accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with XXXX XXXX removal from all of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknow things on my credit report. To this day over 38 days later I have no received a response yet. I feel as if I am being overlooked and ignored of my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 38 days so they must be deleted as soon as possible. I demand these accounts be deleted immediately. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
OnXX/XX/XXXX I purchased a XXXX XXXX XXXX  headset with Bluetooth advertised on XXXX, paying {$930.00} for the item using my Citibank Visa card. When the item arrived, it did not have the advertised Bluetooth option, whereby it would have cost approximately {$350.00} to upgrade it ( although the XXXX with Bluetooth is only about {$100.00} more expensive when purchased originally with Bluetooth ). I returned the item to the Seller ( who initially refused a return ), and I initiated a dispute with Citibank. Citbank initially gave me a " provisional '' credit while " investigating '' the matter. However, on XX/XX/XXXX I received a letter dated XX/XX/XXXX ( copy, together with other documentation, attached ) in which Citibank determined that they would reverse that credit. In " support '' of their decision, Citibank included the " merchant 's response '', which was actually a Citibank Merchant Chargeback Response Form, printed by Citibank, in a point size that is so minuscule that I had a difficult time reading it with a magnifying glass ( Notably, despite my age I have perfect vision, without any requirement that I wear corrective licenses on either my driver 's or pilot 's licenses ). Copies of my correspondence, including confirmation of the return of the item to the Seller, the Citibank letter, and other documentation are attached.

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 2019-02-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and have been working with Experian to correct fraudulent accounts. I submitted my police report, contacted XXXX XXXX XXXX XXXX who explained that I needed to contact Experian to remove the fraudulent account. 

Experian is currently reporting XXXX XXXX XXXX XXXX, which is a fraudulent account to my credit report. I have tried several times to resolve this issue and have been unsuccessful. 

I have asked Experian several time to verify the verification system which they are using, and they have failed to provide me with 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 2020-02-06
Company: Experian Information Solutions Inc.
State: CT
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 have an account with XXXX XXXX. Originally, it was a revolving line of credit. Recently, I renegotiated terms with the bank to convert it into a fixed loan. Experian, despite 4 attempts to make them read the note from the bank, fails to update the account to reflect it as a loan instead of a revolving account. Additionally when the method of verification has been requested the last two disputes, Experian has failed to provide their method of verification within any time frame, let alone the 15 days set forth by FCRA. When I request that the report be deleted, Experian also refuses to do that. What do they do out of curiosity? They are violating federal law by reporting this inaccurate and untimely information on my file. If that wasn't bad enough, they violate federal law again with impunity as they refuse to recognize my request for method of verification and when called out on it blatantly continue to violate the law by not removing the now unverified 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 2018-06-11
Company: Continental Finance Company, LLC
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My account ending in XXXX with Continental Finance was closed, supposedly brought to a XXXX   balance. I received a statement today showing I owe XXXX XXXX, there is a finance or maintenance fee in this amount. This does not make sense as account is closed, there should be no fees or charges added to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is currently reporting an extremely low score all items paid on time and no derogatory they have an issue with the score in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions 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:
I had three XXXX accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with XXXX XXXX removal from all of my credit reports

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 2020-02-06
Company: DISCOVER BANK
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:
I had three XXXX  accounts that were closed because someone had taken the Cards and used them fraudulent and made several payments on the account that were fraudulent. I continued to pay accounts off on time to a XXXX  balance and less then three years of the accounts being paid and closed all accounts and status were removed from all 3 credit reporting agencies. I also had the same issue with Discover Card removal from all of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I refer to the letter dated XX/XX/2018 exchanged with the Bank of America [ signed by XXXX XXXX ] where following lengthy correspondence about my expected service as a XXXX  service they are concluding that they are not in a position to evaluate my feedback or I am being given this impression.

I kindly urge you to contact the XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX, XXXX to establish a formal dialogue at the inter-governmental level, this seems to be missing to start with. The identity may be verified with the same government, specifically IDMO, whose office is at XXXX XXXX, XXXX XXXX, XXXX, XXXX.

You may make relevant correspondence accordingly such has been suggested even to the banking officials in question who claim to have other clients to attend to at the moment.

A framework for exchanging information at reasonable charges is surely missing.

I wish you all the best.

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 2020-02-06
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
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 have an account with Webster bank. Originally, it was a revolving line of credit. Recently, I renegotiated terms with the bank to convert it into a fixed loan. XXXX, despite 4 attempts to make them read the note from the bank, fails to update the account to reflect it as a loan instead of a revolving account. Additionally when the method of verification has been requested the last two disputes, XXXX  has failed to provide their method of verification within any time frame, let alone the 15 days set forth by FCRA. When I request that the report be deleted, XXXX  also refuses to do that. What do they do out of curiosity? They are violating federal law by reporting this inaccurate and untimely information on my file. If that wasn't bad enough, they violate federal law again with impunity as they refuse to recognize my request for method of verification and when called out on it blatantly continue to violate the law by not removing the now unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had an account with Navy Federal Credit Union in XXXX which was a back up account that I had minimal funds in. A fraudulent charge was made on the account and I was not aware of the charge until XXXX when I attempted to open up a second checking account and savings account. I was told that I would have to pay {$430.00} since the account was overdrawn at the time of closure because of bank fees and the fraudulent charge which was about $ XXXXThe bank could not tell me if the charge was a debit card charge or a check because the records are no longer available but based on the amount of {$29.00} returned check fees and NSF fees it may have been a fraudulent check. 

I attempted to dispute the charges to no avail and it appeared that my affidavit that I filed fell on deaf ears with the charge off department. I have two new accounts that are open but I cant use them because the charge off department will not deal with my old account fairly and in accordance with their fraud policies. Additionally, the fees they are attempting to extort me in paying are illegal under the terms of the Federal Reserve Regulations passed in XXXX and they are breaking the rules that are in place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been paying late charges on my mortage with Chase Home mortgage. I have paid late fee from XX/XX/XXXX until XX/XX/XXXX. I have contacted Chase several times within the last three years to resolved this matter .My first contact with chase was by telephone 0n XX/XX/XXXX, I spoke to a XXXX XXXX XXXX he waived the late fee due to me making two payments in XX/XX/XXXX. One on the XX/XX/XXXX and XX/XX/XXXX. I thought I had resovled the issue. However, this was not true in XX/XX/XXXX I was trying to make my regular payment inside the local branch and was told I had a late payment and need to resolve the issue. I made the payment. This cause me more confusion. I have been paying late charges every month. This has cused me three years of stress and worries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: CHECK INTO CASH INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$500.00} line of credit from check into cash ' company .I was told that my loan amount was {$500.00} and my payments would be around {$140.00} a month .I WAS NOT told that that it would be 29 payments, that was never spoke about.i paid my payments on time and have paid over {$1000.00} on it. 
On Friday XXXX XXXX I had didn't pay my payment because I have already paid so much on it and they drafted money from my bank account where my SSI XXXX wages are deposited without a court order, I ask them to return it because it was my grocery money for the month and she refused, she had a lady call me from another branch and I told her also that I was never told that I would have to pay back over {$3000.00} on {$500.00} or I would have never borrowed it, I stated that noone never told me it would be 24 payments and she said it's 29 payments Drafted from.my.ssi wages without a court order

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received a XXXX for XXXX on a purchase money 2nd a HELOC. The loan was originally originated with Washington Mutual. Chase improperly foreclosed on the loan and was sued by state and and federal law enforcement officials. It was a class action lawsuit from the XXXX XXXX settlement fund. Chase plead guilty and settled and I received compensation. See attached documents that validate. 
I should have NOT received this XXXX form. I need Chase to retract this form and send me documentation to show that they removed or are in the process of correcting with IRS.This is causing me financial harm as a taxable event.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX previously reported this debt and It was removed from my credit report after communication with the credit bureaus with my police report and identity theft report. 

I responded to ERC 's original letter to collect the debt and let them know this has already been disputed and the original creditor should not be selling this debt as they have received all the required documents for the identity theft. They continued to list the debt on my credit report. This is the last attempt to have the debt removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Square Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I applied for a job on IXXXX  and the guy named XXXX XXXX emailed me referring he was from Indeed and was offering me the position. The job was for a personal chauffeur. He sent a check for me from his company, I looked it up to make sure that it was a real company in which it was. I took the check to the bank which is XXXX XXXX XXXX XXXX. I told the teller about the job and that I wasnt too sure about the check but I applied on Indeed for the job. She said they would hold it for 2 days to make sure it was verified. Next thing I know {$200.00} and {$3800.00} was coming out of my account from Cash App to someone named $ XXXX. XXXX   and I tried contacting cash app and they were no help at all. They just give you the run around. Bank account went into negative by $ XXXX. I had to file police report and get a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: EQUIFAX, INC.
State: NJ
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 90 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: LEADER ONE FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX started a Refinance w/ Lender One Financial out of XXXX Tx . The Broker was XXXX XXXX NMS # XXXX. Worked with this broker for 2 months and was told that my refi was a difficult refi. I was given all kind of reason why and was made to believe it was going to be hard. They had me to do a survey and two appraisals that cost me over {$2000.00} and one of the appraisals was not authorized by me and was charged to my credit card. I finally after inquiring with others, went to another broker. This broker has me closing in 3 weeks. We have been trying to get a release letter signed for the appraisal that was paid for from This Company for week, I have been passed from one to the other and still do not have letter. I know this is not right, should have been done the day I requested it, that is the normal. It is holding my closing up and I do not want to pay for another appraisal. My last contact was on XX/XX/2020 with this company. Please Help with transfer letter. This has jeopardized my refi with this other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have purchased {$34000.00} of Bitcoin, Bitcoin Cash, Ethereum, and Litecoin on www.coinbase.com to trade. Simultaneously, I am starting a coffee lounge business and needed to sell my coin. When I tried to do so on XX/XX/XXXX, I encountered this message preventing me from selling : " Account Restricted. You are currently unable to buy and sell digital currency on Coinbase. Please visit https : //support.coinbase.com for assistance. '' I contacted them multiple times via phone and email and they have refused to inform me of why my account was restricted because they are waiting for a nonexistent " specialist '' to work with me. Many other people have had this same issue with Coinbase 's shady business tactics and they recommended that I contact the government. 

Since this point, my coins ' values have plummeted significantly, and I have been unable to get my money back which has put me into a desperate situation with my startup company. I have wasted almost a month of expensive XXXX business rent waiting for someone to take my account off restriction, and have delayed my opening date. XXXX is absolutely awful for not communicating and dealing with my inquiry in a timely fashion. I need my coin back immediately!

Company response to consumer: Closed with explanation