BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-07
Company: EQUIFAX, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have made Equifax aware of the same issue on several occasions. I have a letter that was sent to me from XXXX XXXX regarding my disputes regarding hard hit inquiries on my credit report. In the letter XXXX XXXX states that they will contact Equifax and order them to remove the inquiries in question. It is very concerning that when I dispute 1st with Equifax there response will always be a standard response that the dispute in question has been verified then I dispute directly with the Creditor and the have a different answer. According to the Fair Credit Reporting Act Equifax is required to conduct a reasonable investigation. It is obvious that Equifax did not complete a reasonable investigation and therefore is in violation of the Fair Credit Reporting Act. This is my formal notification and request that Equifax remove all XXXX XXXX hard hit Inquiries from my credit report. Furthermore, if Equifax does not permanently remove the hard hit inquiries I WILL file a lawsuit in Small Claims Court no later than XXXX XXXX, XXXX for violation of the FCRA, damaging my credit scare & credit worthiness. 

In closing, I have requested Equifax to send me a copy of my current and updated credit report because I can be a victim of identity fraud and as of the date of this complains ( XXXX/XXXX/XXXX ) Equifax refuses to grant my request ... ... NOTE : This will be part of my Small Claims Lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I have placed a number of transactions on a mobile application called Coinbase most of these transactions occurred at XXXX XXXX, 2017 between the hours of XXXX XXXX to about I have placed a number of transactions on a mobile application called Coinbase most of these transactions occurred at XXXX XXXX, 2017 between the hours of XXXX XXXX to about XXXX XXXX of the same date.
Coin base notified me of price drops for digital currency 's such as BitCoin.
The price was very volatile and I ended up being charged between $ 180- {$300.00} over each price. That I originally paid for. When the price of bitcoin went up I tried to sell one was high and discovered that I had paid more than originally intended and was unable to sell any of my current holdings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of XXXX  to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2022-01-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am very disturbed and XXXX the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXXXXXX Case Number : XXXX Please remove this bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please consider my request for support and assistance to have XXXX XXXX  Update the Account Information and Payment Status on Our Credit Reports. I am newly XXXX and this situation is more than either I or my husband can handle. We have expressed our request and concerns to the lender or various occations to no avail, each time we get some one different on the phone and it appears they dont care or dont understand what im asking for. Please assist us in resolving this matter? My husband XXXX XXXX and I have an Open Active vehicle loan account of which we pay monthly payment of XXXX as agreed upon ; However upon reviewing our credit reports for both myself and my husband XXXX XXXX The XXXX XXXX account reflects in a " CHARGE OFF '' status and - that is not correct. I believe this is miss information that stems from a time when we began to go thru financial difficulties due to my failing health and loss of income - I was laid off from my employer XXXX XXXX XXXX, this vehicle account should Not have gone to a " Charge off '' status. I have been going through a medical crisis because I have XXXX and my XXXX were XXXX, which finally resulted in a financial hardship at one point we considered doing a bankruptcy but decided we did not need to bankrupt we could just work with the creditors direct - this is what we did with XXXX XXXX we reached out to the lender and learned what the total amount to bring us current was and we were informed that if we payed XXXX this was the amount that " would bring us current with the next payment due the following month, and that would cure what we were behind ''. I was very ill due to chronic condition called XXXX XXXX - it has currently damaged my XXXX function to the point that I have what is considered end stage XXXX XXXX and am now on XXXX awaiting a XXXX donor. - At the time we bought the vehicle my health was in a very different position- I was healthy. I was employed full time and it was prior to my health failure. ( I was unable to continue to work for some time beyond my control and this was the beginning of our financial hardships, I was layed off and fell ill however, we stayed in communication as best we could to advise our payments were going to be running behind and always payed when we said we would. I am seeking relief from the constant damage XXXX XXXX has done to mine and my husbands credit report. Please update the credit report to show our payments Are up to date. I am concerned about making more payments than nessessary because I dont know how much we truly owe. I am XXXX and XXXX XXXX doesnt care about that I need help and support to fix this matter. Thank You kindly for your time and attention, Sincerely, XXXX XXXX and XXXX XXXX Reg : XXXX Account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: SYNCHRONY FINANCIAL
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
When this line of care credit was opened with Sychrony Bank I was paying my payments as per the agreements. When the statements were coming in they were not reflecting my payments. After speaking to sychrony bank due to my concern with the balance and the charges for late fees they assured me they were aware of the mistake and that this would be resubmitted and the payments would be applied. The balance we agreed upon was not correct. I called Sychrony bank to resolve this and I was met with challenge after challenge.
I stopped my payments and continued to call Sychrony Bank, During this process the interest kept adding up.
Regardless of my attempts I was met with opposition.
As of today my balance on the account is XXXX and the interest is XXXX. I called and was transferred to 3 different departments. I was told I can not access full accounting on my account and that there was not a department that could help me. I was given an address to write in for any information that I needed.
I said this is my third attempt to bring resolution to this account. I wanted to pay in full my balance of XXXX  if it reflects the right amount as per my payments and then discuss the interest. Regardless of my efforts I am met with the same response. Mam we can not help you with your requests you have to write in and when I ask to move up the line to a supervisor and demand some type of assistance in bringing this account current I am hung up on.
This account has dragged out this far because I can not get any communication or resolution even when I try to pay The fact that I can not access any of my account information online ( they locked my acocunt ) that I am trying to pay and that I am trying to resolve this matter and they hang up is outrageous. It is truly my belief that they want these accounts to incur interest and these problems with payments not being registered is by design. I could not pay this bill and bring it current if I wanted to.
I now owe more in interest than the charges. I want to pay this bill and be done.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed late payments on my credit report that was placed by XXXX XXXX XXXX, they had 30 day leads that were in accurate. They illegally changed information so that they would not have to do what was right. I then did a CFPB complaint which The XXXX credit bureaus ignored and continue to let this negative information harm me. They are violating my rights I demand to be compensated {$1000.00} per violation from TransUnion XXXX XXXX and 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 2018-01-07
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

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 2018-01-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ally Financial has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.

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 2018-01-05
Company: Experian Information Solutions Inc.
State: TX
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 XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.

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 2018-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years  after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.

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 2018-01-05
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo switched my account from paper billing to electronic billing without my consent in XXXX of XXXX. Due to me no longer receiving paper bills, I accidentally missed one payment. This was the first payment I ever missed and once I noticed the issue, I promptly corrected it. My history with Wells Fargo clearly shows I pay extra principal for every mortgage payment. Wells Fargo customer service confirmed they switched my account to electronic billing but never took responsibility for this. Wells Fargo reported the missed payment to the credit card bureau and refuses to take any responsibility for their unethical behavior. Before and after this incident occurred I was attempting to refinance my mortgage out of an ARM. Now, I was just told I am unable to do so until I have a 6 month clean payment history. Thus, due to Wells Fargo 's malicious interference in my account, I will be financial penalized for their misconduct.

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 2018-01-05
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was refused a loan I qualified for. I applied for a loan at California Check Cashing Store located at XXXX XXXX XXXX, XXXX XXXX XXXX on Saturday XXXX XXXX, 2017.I submitted all required documents and filled out a for.I was told in order to qualify I must make at least {$2000.00} a month.The clerk who assisted me, XXXX, was begrudgingly processing the loan and said I was approved for {$2500.00} ( the max loan amount is {$5000.00} which I was trying for ). She then said she had to call 4 of my references. Two of them did not respond, so I provided two more she was able to contact. Then she told me she had to contact her supervisor before approving my loan. I waited for some time. Next she asked for a copy of my old id ( I had changed my name years ago ) which I provided. Now XXXX insisted her supervisor was going to call me and there was nothing more she could do for me. I never received a call from XXXX or her supervisor. I called back and XXXX told me they decided to deny my loan but could not provide a reason and to come back to the store to retrieve my application and copies of my documents. I returned and was provided a letter stating I was denied a loan due to the checking account I used could not be verified or did not have a sufficient balance at the time the loan was requested. XXXX never stated I had to have a certain amount of funds in my account prior to applying for the loan. Also the bank requirements was that I had to provide two most recent bank statements and a voided check ( which I did ). My current pay stub shows direct deposit into this account. I recorded this conversation with XXXX who stated I was denied for this reason by her supervisor even though I provided all documents and qualified to " apply '' for {$2500.00}. I asked for copies of my documents including the voided check and was told by XXXX she already shredded the papers. I feel I was discriminated against for getting a loan. I provided all required documents and references. My credit score is fair ( I have no bankruptcies ). I make decent income. I only needed this loan due to a temporary setback but I pay all my bills on time. I have applied for loans in the past and was never treated in such a manner. I am reaching out for assistance because I really needed this loan ad feel I was denied on the basis of my race or sexual orientation. Thank you for your time.

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 2018-01-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX, XXXX on the XX/XX/XXXX Hello, It 's been weeks that I would like to log in to my account at : https : //support.coinbase.com I received a response on XX/XX/XXXX and answered XX/XX/XXXX to the question asked may then nothing not answer always a machine that responds no e-mail address! no phone number! ( Anyway I do not speak English! ) I would like to sell my Bitcoins and get my MONEY back. 
Thank you for your help I created an account on XX/XX/XXXX for the amount of XXXX EUR on the website : https : //www.coinbase.com I was in XXXX but I do not live there, I travel by bike around the world may have a tax address in XXXX my country, The XXXX I have unfortunately broken my XXXX XXXX is also my XXXX XXXX of the company XXXX XXXX number : XXXXXXXX XXXX XXXX XXXX XXXX. 
Then I could no longer tank the XXXX to connect! 
The procedure to register my new number here in XXXX : XXXX XXXX XXXX. 
DO NOT WALK he writes : '' The phone number is invalid '' I requested the reset of my account Here help me recovered my Bitcoins my money!!! 

( This and a translation of XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: CT
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/2019, I mailed a Method of Validation letter to Equifax, exercising my rights as under the FCRA. In my letter I demanded to know specifics of how this bureau arrived at the conclusion that the alleged accounts were verified and therefore listed on my report as accurate. As XXXX XXXX XXXX states, verified means Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. There has been no evidence that this has been followed in any matter. The credit bureau can SAY something has been verified but that does not mean any procedure was followed in ensuring that verification took place. 
It is my understanding that the credit bureaus routinely use a Consumer Dispute Verification Form in attesting to the accuracy of any alleged accounts. Anyone can SAY they obtained verification for one of these forms without checking into the accuracy of the alleged account. 
In accordance with my rights, I sent a letter to Equifax stating that they have not responded in a timely manner and therefore are to delete the following accounts : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( 2 accounts ) I am sending this message to the CFPB to monitor and ensure action is taken to satisfactorily resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Transaction initiated on XX/XX/XXXXXXXX in the amount of {$3700.00} from Coin Base to XXXX account, Still in pending status, this should have taken about 30 minutes and now it is 36 hours. Contacted support and got no response. This may be fraudulent.

Company response to consumer: Closed with explanation