BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-31
Company: Experian Information Solutions Inc.
State: MD
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 sent the following companies : XXXX, and experian letters regarding inaccurate items on my credit report. I sent this letter on XX/XX/21 and I haven't received a response yet from either company in 60 days! I know that if the investigation isn't responded to in 30 days it should be deleted off my report but with Covid-19 into play the timeline is extended to 60 days but it has been 61 days and i still haven't received a response! I demand these be removed from my consumer 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 2018-10-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX illegally ran my credit on XX/XX/2018. My credit bureau file is showing this as a hard inquiry. I have never applied at XXXX XXXX   XXXX. In accordance with the FCRA, I respectfully ask you to investigate my claim and remove the inquiries with all Credit Reporting Agencies. I've called the company numerous times and keep getting the run around stating there is no account opened but they haven't done anything to resolve the issue of running my credit without my permission. This illegal credit inquiry has caused my credit score to go down. Please kindly resolve this issue by doing whats right and removing the credit inquiry or suppressing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My case number is XXXX On XX/XX/XXXX I posted a ticket to coinbase support regarding being locked out of my account. Coinbase support responded on XX/XX/XXXX and requested that I complete a few steps to recover my account. I responded immediately and executed all steps that I was asked. 

My last correspondence with Coinbase support was on XX/XX/XXXX@XXXX XXXX EST. They stated that given the nature of my case, a specialist would be needed to resolve the matter and that they would respond once the specialist has worked on the account. 

I sent a follow up email on XX/XX/XXXX and XX/XX/XXXX - no response. Yesterday, XX/XX/XXXX, I tried to contact coinbase support on XXXX - no response. 

Today, we are officially 2 months out ( from the initial response ) and still no updates from Coinbase. I have been locked out of my account and can not access my currency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports XXXX and Equifax in the amount of XXXX collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative ( XXXX ) then hangs up on me and someone else calls me back ( XXXX ) I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They ( XXXX ) have violated the FDCPA in many ways as well as XXXX and Equifax violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-XXXX/XXXX/Equifax. XXXX XXXX company in the amount of XXXX with-XXXX/XXXX.XXXX   XXXX in the amount of XXXX.with-XXXX/Equifax.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had a coinbase account for about 2 years. On XX/XX/21 I got emails where my ethereum in my coinbase account was transferred to XXXX. I have not made any transactions on the account in awhile and so I was concerned. When I tried to get into the account it would not let me in. There is an option for help with support and I opened a complaint ticket XXXX explaining my problem. they replied back telling me they need to some investigating and then they replied back that the issues was resolved and that i can log in. I have changed the passwords and done everything the emails direct me to do but I still can not access my account. I know the account is there because they will send me notices about tezos stacking rewards but i cant access the funds. the cryptocurrency is increasing in value so I know that the value of the account has also increased. What was about XXXX is probably closer to XXXX if not more now and I can not get into the account. I have reached out and readdressed the ticket about 3-4 times with the same nonsense response and i am still unable to access my account. 
I would appreciate anything you can do to help XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16
Company: HUNTINGTON NATIONAL BANK, THE
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was alarmed once I reviewed my XXXX, XXXX and XXXX   credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2016, XX/XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
My debts were consistently paid on time until my XXXX  on XXXX XX/XX/XXXX when the XXXX XXXX judge of XXXX XXXX assigned my mortgage and home equity line of credit debts to my ex spouse. Yet following the divorce 5/3 bank reported me to credit agencies, such as XXXX  as paying late and has never corrected this error. 
As a result I can't get a credit card at XXXX and have a low credit rating which has caused me other problems. I have contacted 5/3 to resolve the matter and they responded in a letter dated XXXX XX/XX/XXXX which said that the divorce decree did not alter ownership of my debt. 
In paragraph # 2 of divorce case XXXX. XXXX XXXX XXXX states : 1. Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall have no financial or other obligations with respect to the land contract ... 
2. The three parcels of farmland ... shall be refinanced by the defendant ( XXXX XXXX XXXX so as to remove Plaintiff 's name XXXX XXXX XXXX XXXX from any and all obligations with the XXXX Bank. 
3.If defendant XXXX XXXX XXXX XXXX is delinquent ( within a period of 60 days ) in any payment with regard to the two 5/3 bank accounts defendant shall ... cause them to be sold to ... pay both of the 5/3 bank obligations in full. [ He did not do this. ] 4. Refinancing shall be completed by Defendant as soon as possible not to exceed 30 days from the effective date of this order. 

Attached are 1 ) Pertinent pages from the divorce decree ( to include paragraph 2 ) 2 ) A 5/3rd letter, dated XX/XX/XXXX in which 5/3 states that the account has been paid in full and is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
On XX/XX/2018 I purchased a dining room set for {$380.00} from XXXX XXXX  XXXX XXXX. The next day I asked XXXX XXXX   XXXX XXXX for a refund. I never took the dining room set. On XX/XX/XXXX I did not see the refund on my Capital One credit card that I used to purchase the furniture. I called to complain to Capital One to tell them I wanted the charge removed from card. The Capital One representative said that until the store refund showed on my credit card account, she would put a credit on my account for the {$380.00}. The refund from the XXXX business did not show up until XX/XX/2018. On XX/XX/XXXX I look online at my Capital One account and saw that I had been charged again for the furniture on XX/XX/2018. I called Capital One on XX/XX/XXXX and asked them to remove the charge, because I did not receive the furniture. I talked to a supervisor and she also refused to take the charge off of my card saying that Capital One was only taking back the credit that had given me for {$380.00}. I told them I understood that, but that I still believed I should not be charged on my card for furniture I did not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: AES/PHEAA
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 am having a hard time correcting the payment status on my student loans from XXXX  XXXX. The payment status is reporting inaccurately to XXXX and XXXX for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company claims to be Bank of America. The address is XXXX XXXX XXXX, XXXX, FL XXXX. I have a feeling they are a 'service company ' applying hidden fees!! I have asked 5 times in 14 months for an accounting of the money I pay each month. The errors in math are explained as 'special calculations ' for my type of loan? I allowed my personal bank XXXX XXXX XXXX to view the information and not even their Mortgage Bankers could figure out where or why my balance n pay off are not calculationg properly.

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 2018-06-29
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I am a XXXX XXXX XXXX Veteran and Because of my illness and how fast the process went when purchasing this vehicle I was unaware that this vehicle would almost double before I could pay it off due to unforeseen interest rates that I was not made aware of when I purchased this car. My credit score was a XXXX and the Interest rate is too high for my credit rating. Now, I can not even afford my own home because my debt to income ratio because of this car is too high. I can't even refinance it for a lower rate because all of the lenders and rejecting me because I owe too much for this car still after paying my note for about 2 years and still owing XXXXon a XXXX XXXXXXXX XXXX. Please help me I am homeless. Also, My name is incorrect on their contract which they have as XXXX my last name is XXXX therefore makes this contract null and void. Which shall show as proof that I did not agree to the high interest rates of credit acceptance. And it was signed using an electronic signature that the dealer asked me to sign agreeing to pay XXXX for the car. I never was presented with the XXXX contract for this car.

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 2017-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Around   XXXX   2017 I received an email with a promotion being ran by Capital One I answered my information as outlined in the application and received a quick response that I was approved for a   XXXX   credit limit and {$300.00} credit limit the cards took about a week and a half to come when I got the cards I called to activate and was told the cards have been restricted do to some fraudulent activity but it is the fault of the card issuer they deeply apologize and say that several people received an offer they were not supposed to and they had to cancel the accounts my question is is n't that discriminatory my credit is my credit regardless of their offer they said that I could reapply which I did a couple times and was quickly denied because I had a pending or previous application with them but I was only following what they were asking me to do so I want to know how does my credit give me approved through a promotion and then without the promotion it does n't so who are they marketing this promotion to what demographic of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Netspend Corporation
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
XXXX is withholding ACH deposits due to a supposed glitch in their system, there are thousands of people who worked hard for their money and are not receiving their paychecks, myself included. This has been going on since Friday XX/XX/2018 with no timeframe in sight as to when we will receive our money. 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 2018-10-16
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XX/XX/2013 60 days past due as of XX/XX/2013 30 days past due as of XX/XX/2013 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on 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 2018-04-17
Company: SYNCHRONY FINANCIAL
State: CO
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:
Dear Gentle Person, I have two mastercards with XXXX XXXX -- I mailed in my payment with the correct payment stub the account I closed and the bank 5 days ago credited the wrong account -- I wrote to the President as the customer service folks stated it could take up to 30 days to fix -- which would leave my account that was suppose to be paid with a late payment unacceptable. 

Please assist in following up with XXXX XXXX to complete their job and correct their error. The Mastercard they paid is wrong -- they have been notified. 

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX They also reported the wrong balance to every reporting credit bureau and showed me over limit whem I was not affecting my credit score -- they said they corrected however did not -- they still showed me over and I was not. 

Thank you

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 2019-02-18
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I owed XXXX XXXX XXXX in FL a hospital bill of over {$1800.00} which I was paying {$20.00} per month on before sending me to a collection agency XXXX. I tried to resolve the issue but they would not work with me. 
I owe another hospital, XXXX XXXX over {$2000.00} which I am also paying {$20.00} towards and also {$20.00} for a separate doctor bill. {$60.00} per month on medical bills is a lot when you just don't have anymore to give. XXXX XXXX agreed to let me pay the {$20.00} and tried to get XXXX XXXX to set up an agreement as well. Instead XXXX XXXX sent me to XXXXXXXX XXXX! 

I was forced to retire to care of my husband then lost half of my income due to his death. I'm on social security and paying for both his funeral and my daughters who I lost 5 months prior to my husband. I tried explaining this to XXXX as my reason why I can't pay any more than {$20.00} per month. I spoke with them and a supervisor on two separate occasions, XX/XX/XXXX and XX/XX/XXXX. They said they have no option but to report this on my credit report unless I could pay {$200.00} per month! I still continue to pay {$20.00} getting the bill down to {$1700.00} and now is on my credit report. I believe they used bully tactics to get me to pay more and don't feel this is 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 2021-04-10
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:
requested reporting company to remove fraudulent items from my credit report agency did not follow law and remove items

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 2017-07-31
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:
Spoke with a XXXX representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALL of the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message.
Several days later I received mail that appeared to be the result of XXXX verifying that all of the
requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report. How was XXXX able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.

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 2022-08-08
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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected : 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 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 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 non-monetary relief