BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
I purchased a XXXX phone on XX/XX/XXXX that was financed through XXXX XXXX / TD Retail Card Services account # XXXX. I immediately began making the required payment of {$18.00} each month that my bank shows was paid prior to the XXXX of every month. At no time did TD Bank provide me with an account statement. 

Around XX/XX/XXXX I received notice by US mail that my account was past due about {$100.00}. I immediately contacted TD Bank and was informed that what appeared to be an error on their part the XX/XX/XXXX payment appeared late and therefore TD Bank had been assessing multiple late fees every month since. 

TD Bank agreed to waive all late fees and I paid the balance of {$200.00} in full. 

I then contacted TD Bank to learn that there was a mysterious balance of about {$4.00} remaining on my account and asked for an accounting. I have submitted two written requests and  received no response. 

In addition, I've requested that TD Bank remove the derogatory information they placed on my credit reports. Again, despite verbal and written requests, I have received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07
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: Their investigation did not fix an error on your report

Complaint:
I have tried to have this Tax Lien removed from credit file. Equifax reports verified by XXXX. I have the report from XXXX and it is not on there report. Also after X/X/2017 tax liens should be removed from credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase you have hijacked my funds in pending status they do not offer me the opportunity to cancel the transaction nor do they give me a hash, when I contact customer support they ask me for the hash that I do not have it is as if they have me in an unknown state, meanwhile I can not see my crypto while I see how my money devalues The transaction hash : you did no give me one yet, Case # XXXX - Transaction is pending for over 8 Hours Thanks for contacting Coinbase Support. 

It appears the information you provided might be incorrect for the transaction youre having an issue with. 

Please resubmit your request and make sure you enter : The exact transaction amount The transaction hash The email address associated with account for the transaction We require this information so we can clearly identify the issue. 

To learn how to find your transaction hash, please visit : https : //help.coinbase.com/en/coinbase/getting-started/crypto-education/what-is-a-transaction-hash-hash-id? ref=es If you didnt need help with an on-chain cryptocurrency transaction, please double check what you select in your next support request. 

Thank you for understanding. 

Regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I have an auto loan with Navy Federal Credit Union that I was never late with. 
At the end of XXXX, the President enforced a government shutdown that impacted millions of small businesses and thousands of XXXX veteran/XXXX  XXXX  like mine. Invoices that we had submitted in XXXX, XXXX, XXXX and XXXX were not honored until almost mid XX/XX/XXXX. 
When I realized our invoices would be not be honored and we were pulled off projects I reached out to all my debt holders - XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, and all worked with me. I not only wrote letters but called or visited in person those I owed. One of those was Navy Federal Credit Union. I went to their XXXX, CA office and with their manager called in to NFCU home office and the NFCU agreed to not place anything negative on our credit report. They said I had an outstanding payment record prior and they were working with all their veterans to ensure they were not harmed due to the government shutdown. Once we were paid in XXXX, I made up the back payments and have not been late since. But learned this year, NFCU did in fact post a negative on my report. I wrote then two certified letters. I went to their office. I called. I emailed. And I only get one paragraph reponses. They have taken over 30 days to respond to my letters and when I called last week, they say they had no records of my calls or emails. When I was in the office with my complain others were there also with the same issues. This is not right. I sent a certified letter to the President of NFCU that was five pages long in detail. I get one paragraph letter by from someone in Risk Management and when I attempted to call or email this person, the number didnt work and they had no email from him. Before that I received a letter from a woman and again the telphone number was bogus. This week I got an email saying they would investigate again, but no contact information. Something must be done to punish NFCU for being sloppy in responding and not keeping their word.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Navient Solutions, LLC.
State: MN
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:
For the entire pandemic since federal student loans have had zero interest, I have been using Navient 's auto-allocate feature and selected to target loans with the highest interest rate. I discovered today that this function was programmed incorrectly and instead of allocating my payments to the loans with the highest interest rate, it automatically selects the unsubsidized loans, regardless of interest rate. For this reason, in the remaining lifetime of my loans, I would end up paying significantly more money. I brought this issue to the attention of Navient and they are in the process of re-allocating my previous payments. However, fixing my issue will not resolve the same issue for the ( I estimate ) thousands of other loan borrowers that have used this payment allocation function throughout the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
X/XX/2017 XXXX charged on my boa credit card and bank denied my dispute and now Im stuck paying for something I did not do

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 2020-04-30
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I tried to use PayPal 's friend money-transfer service several times to send {$200.00} to a family member. I sent one payment on XX/XX/XXXX that I immediately cancelled bc I input the wrong email address. Even though I tried to cancel the payment and my PayPal account shows the payment was refunded. I was not actually refunded the money to my bank account. PayPal never sent the money back. 

The same day, I resent {$200.00} to the correct email address. However, when this family member tried to access the payment on their account, it shows an error message on their end. This means that the person has not received the payment, and I am not able to cancel it on my end ( it does not give me a cancel option ). 

This means that PayPal has taken 2 x {$200.00} transactions out of my bank account but has not refunded or actually transferred the money to my family member. 

I've tried calling them ( their customer service line is closed, per their automated message ), I've tried messaging them online through their help center ( not working ), I've tried contacting them on social media ( no response ). I don't know what else to do. At this point I just need to be refunded for both {$200.00} charges since this money was not actually sent to my family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
i was told that I had been approved for up to XXXX i only wanted XXXX thats all i asked for they asked me to sign installment loan documents, that had loan amount and payments up front which i did then they said they needed to look at my bank account and to send the my account login and password so they could verify my income so i did. 
Then they came back and said i needed to download my bank statement and verifications of my SS and my pension i did Then the next day i received the same message and so i did it again next day same thing so i faxed them this time so i would know they received them the very same afternoon i received a message saying the very same thing this time telling me had to be done my XXXX each one of these time i had tried to call and there automated system want allow you to speak with a real person i believe this is nothing but a scam to get peoples financial records and income information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct 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
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: AR
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX/XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$89.00} XXXX XXXX {$760.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX   XXXX {$330.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2019 in XXXX XXXX money transfer transaction no. XXXX through Moneygram agent for {$400.00} was made in my favor, same day I went to Moneygram agent in my city XXXX, TX but they refused to release the money requesting the sender must contact them, the sender contacted both moneygram agent in XXXX and moneygram in US by phone but no avail. 
I phoned them many times but no avail I need to mention that This caused damages to me in the ability to paying due utility bills, credit card payments, personal loans which ruin my credit score and credibility. 
Therefore Moneygram must pay for those damages as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Company ( PNC ) lowered my credit limit from {$10.00}, XXXX to {$3800.00} saying I had credit score of XXXX which is wrong correct score is XXXX also saying using to much of my credit wrong also only using 28 % saying late on payment I was never late saying they used XXXX called XXXX got copy of credit report that confirmed everything I said XXXX thinks they got me mixed up with someone else or look at wrong person I called PNC and they won't even look at report or try and correct it my XXXX score has dropped almost 40 points because of this and they just don't care, my credit is suffering because of their mistake and they are not trying to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

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 2021-10-18
Company: EQUIFAX, INC.
State: AL
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:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have fourteen negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This is not mines remove this immediately off my credit report is affecting me getting a morgage and getting a new home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently obtained a copy of my credit report and noticed some erras. I noticed multiple addresses that I never resided, and also incorrect name being reported. 

I atteched a copy of my drivers license and social ( SEE ATTACHMENT ) My report should only refect one name and 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
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau and they are disregarding a regular law abiding consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a baby girl, I am trying to better my future but this is holding it up. I 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 2020-04-30
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
hippa violations : XXXX XXXX two account, XXXX The Fair and Accurate Credit Transactions Act of 2003 is a United States federal law, passed by the United States Congress on XX/XX/2003, and signed by President George W. Bush on XX/XX/2003, as an amendment to the Fair Credit Reporting Ac XXXX 2 XXXX XXXX accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Information appeared on all 3 credit reporting companies. No information was sent to me to validate or verify this debt is actually mine. 'Also find out the collection company isn't licensed to collect in the state of florida ; therefore, I demand they immediately remove from all 3 files

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to port number over to XXXX and the port was unsuccessful. I never had phone service with them because they could not get the order to go through.

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