BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX and EQUIFAX, without my knowledge or consent, placed a security freeze on my credit report. I have requested that they remove it forthwith. They refuse to do so and continue to send me stupid form letters from XXXX asking for confidential information I refuse to supply to them, including my social security number, a copy of a driver 's license ( assumes I have one ), utilities bills and other things. I DID NOT REQUEST THE SECURITY FREEZE. They must remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident. The fraud was made on XX/XX/2015.

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 2019-04-25
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated phone calls ( now daily ) from various XXXX XXXX telephone numbers. I know them to be a debt collector, yet I have no outstanding debts. Calls received from : ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX  on XX/XX/2019 ( XXXX ) XXXX - received at XXXX XXXX on XX/XX/2019 Those are just the most recent calls.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX, CXXXX/XXXX, XXXX/XXXX XXXX , XXXX/XXXX   XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 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 2019-04-24
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX, I received a call from XXXX-XXXX-XXXX  advising that I was facing felony charges. Panicked, I spoke with an agent at the same number on XX/XX/XXXX who advised the charges were for check fraud for an old payday loan with ACE Cash Express that I had completely forgotten about. The agent gave me a case number stating in XXXX that I needed to call XXXX-XXXX-XXXX ( Named XXXX  XXXX   XXXX, XXXX ) immediately as legal processing was already started and the charges would be filed with the courts XX/XX/XXXX at XXXX, because ACE had filed the complaint and already received full payment from the courts, the courts would then come after me with a warrant for my arrest if I did not pay the full amount the same day. I called the given phone number and provided the case number provided - the gentleman, who identified as XXXX XXXX urged that I pay immediately to avoid criminal charges on my record, having a warrant out for my arrest, and facing 3 months of jail time, and refused to take any partial payment. I attempted to explain I had seen no documents or anything on my credit suggesting I was in collections. The balance owed during the call was for {$760.00} and the bank account I used was open when I took out the payday loan, the bank account was closed after two NSF attempts went through. Wanting to avoid felony charges or jail time, I paid the balance ; and they sent this sketchy contract via email to electronically sign. After the payment was received, they gave a disclosure that if I attempted to dispute the charges in the future, the original legal proceedings would continue, and they sent an email receipt expressing the debt was paid in full. I could not find anything about this XXXX, XXXX online except for what looked like a stock website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I FOUND OUT THAT I HAVE FRAUD ON MY CREDIT REPORT FRAUDULENT ACCOUNTS AND INQUIRIES

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 2021-05-25
Company: Mercedes Benz Financial Services
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX of 2021 I made my last payment to Mercedes Benz Financial. I returned the car on XX/XX/XXXX of 2021. But I still received a 30 day late payment from Mercedes Benz Financial. I contacted them about the matter to get the problem fixed through them. But I was told they couldn't do anything about it on there end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. I had this police report before where I left my left open in a public place then I lost my bag with my cards and Ids inside it Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019 with an amount of {$25000.00}

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 2020-06-25
Company: SYNCHRONY FINANCIAL
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:
Syncb/Lowes is reporting an erroneous late on my credit file for XX/XX/2020. I made this payment on time, and I should not be reporting any lates. I am requesting that Lowes fixes this issue as it is affecting my credit file.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello my issue is with Transunion with whom I created a free account to view my online report and or file a dispute. I was able to create the account and tried two times to dispute information on the report which I believe is wrong.

Transunion gave me a confirmation number but the investigation did not go out. This happened 2 times and then wouldn't let me into the system without calling them.

I have called on 3 occasions. Each time, the wait times are horrific and the customer service is worse still. 
The calls get routed overseas and I end up either speaking to someone in the XXXX or in XXXX. Fine. I have asked multiple times for assistance in the US and for technical support to unlock the site which is free, I get offers to upsell me to a paid site or to pay for credit monitoring in order to view the report or file disputes. I am told that the people answering the phone are 3rd party and thus have no direct access to the information on Transunion but that they can handle a dispute over the phone. How can it be that a 3rd party with no access can file a dispute? I do not wish to do that. I wish to do it myself in private. 

When I tell the agent ( the man I spoke with gave the name of XXXX XXXX ), that I have used it before they tell me that I have not. When I say I called before and have even gotten hung up on, he tells me I have not called anyone. I can not believe a company holding the data on American citizens can outsource this work to other countries and even still that can't assist us without trying to upsell a product to us. 

I need help with getting access to my reports online as it is supposed to do and to allow me to dispute information in private, like I wish to do. This company has been giving me the run around by phone for over 40 days and I still have no idea what is going on or why.

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 2019-04-24
Company: Experian Information Solutions Inc.
State: DC
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:
I have written numerous letters to Experian on the following dates below requesting Experian to validate this information with the XXXX XXXX XXXX Federal Court and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 

I am formally requesting that this information be immediately deleted from the credit file that Experian maintains under my Social Security number. 

Per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and I am keeping careful record of your actions, including Experian Method of Verification. I do not consent to XXXX or any means of automated verification. 

I continuously receive correspondence from Experian still reporting Bankruptcy # XXXX in the amount of {$0.00} dated XX/XX/XXXX stating that it has been verified through XXXX XXXX. 

However, I have a security freeze on my XXXX report. In addition, the courts do not provide information to the credit reporting agencies or bureaus. 

So my question is how is Experian is verifying information from XXXX XXXX when I have a security freeze on my XXXX XXXX report? 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
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:
The following accounts are fraudulent : XXXX XXXX XXXX - {$190.00}

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 2020-05-05
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/XXXX I recieved a report of my Credit. There it showed that my Barclay card had been closed. 

Today XX/XX/XXXX I spoke with a woman by the name of XXXX on customer service hotline. She stated that there was nothing that could be done for the card to be open. She reported that it had been closed in part by reporting of XXXX  and XXXX  suggesting that it be closed due to delinquent accounts. 

The accounts that were being referred to were unknownt to me and I do believe they were unpaid in error. I currently have a dispute to resolve on the accounts. 

I have no late payments to Barclays. I have paid very high APR and carried a high balance, and was just about to pay down the account when I realized that the account had closed on me. Customer service stated that there was a letter sent and there was nothing that could be done. 

As stated before, I have been in good standing with Barclay. I am now in hard and trying times as I am a sole creditor and rely soley on my credit to be able to even rent a place. I find it very unjust that my account be closed based on Transition, and another credit issue whih I am trying to resolve. I would like to continue business with Barclay and make things right.

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 2017-11-28
Company: U.S. BANCORP
State: MN
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:
I have fully paid this account and there seem to be fees that were charged although the account had XXXX balance. Also, there is inaccurate late payment reporting on my credit report for this account. XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I  reported fraudulent charges on this account and have been attempting to contact US BANK to no avail and been transferred to different departments. 


US BANK {$6.00} Account Details Last Reported XX/XX/XXXX Creditor Name US BANK Account Type Flexible Spending Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1200.00} Term -- Monthly Payment {$4.00} Responsibility Individual Balance {$6.00} Highest Balance {$4100.00} Payment Status Current Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 2/2/0 Remarks Canceled by credit grantor Payment History Latest Status : Current XX/XX/XXXX OK OK OK OK OK 30 60 30 OK XX/XX/XXXX OK OK OK OK OK OK OK OK OK 60 OK OK XX/XX/XXXX OK J F M A M J J A S O N D 30 30-59 Days Late 60 60-89 Days Late Credit Utilization*0.50 %  Creditor Contact Details US BANK XXXX XXXX XXXX XXXX XXXX, MO 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 2021-05-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have been with coinbase.com for about 4 years now. Every time I login, I receive a code that is sent to my phone.. after I input that code, I then receive an email to authorize the login.

3 weeks ago I woke up and saw 3 codes being sent to my phone 6 hours ago. I was quick to login to my coinbase and saw multiple transactions being sent out to different addresses in increments of XXXX  .

They had also purchased more cryptocurrencies with my visa debit card ... depleting my checking account They took everything I checked my email and there was no authorization email sent by coinbase. Also no new ip address logins to my email. Security fault on coinbases end I'm assuming. I opened a dispute with coinbase and I got an automated response saying please allow 4-5 business days. It's been about 15 business days now. 3 weeks in total days with no response from coinbase.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have no a knowledge of this account according to the FCRA This item must be removed

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 2020-06-25
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon filed ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, 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:
On XX/XX/XXXX I sent in a complaint to the XXXX on Equifax. On XX/XX/XXXX I received the message from Equifax by phone that they have not removed the hard inquiry from XXXX XXXX. The representative from Equifax said that XXXX XXXX needs to send them notification to delete the inquiry ... One received they WILL DELETE THE HARD INQUIRY. I have proof that XXXX XXXX DID in fact notify Equifax to delete the hard inquiry from my credit report ... Equifax is not holding up to their legal obligation to remove the error from my credit! XXXX has already deleted the hard inquiry. XXXX never reported or had knowledge of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX ran my credit without authorization on XX/XX/XXXX and XXXX. They have admitted they did this in error but as far as I can determine nothing has been done to remove these authorized inquiries from my XXXX and Transunion 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 2018-12-06
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:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both TransUnion and XXXX with no successful resolution. TransUnion only reporting me late. There was definitely an error on their part. I was never 30-59 days late.

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 2021-02-01
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am owed an escrow refund check from XX/XX/2020 for {$2900.00}. I call once every 3-4 weeks and I'm told the check will be in the mail, but I am still waiting on my money. I simply want the money I am rightfully owed and that this company is willingly refusing to send out. 

( NOTE : this does NOT involve the Escrow refund for {$6000.00} dated XX/XX/2020, as that check was already received and deposited )

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 2019-11-14
Company: EQUIFAX, 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:
Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number ****1571. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.

Company response to consumer: Closed with non-monetary relief