BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
A letter was sent on XX/XX/2021 addressed to Transunion requesting a free credit report. However, Transunion failed to provide the report by mail. 

I have attached proof of letter sent to Transunion requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX requesting a free credit report. However, XXXX failed to provide the report by mail. 

I have attached proof of letter sent to XXXX requesting the report. 
I have attached ID as proof of address and identification A letter was sent on XX/XX/2021 addressed to XXXX requesting a free credit report. However, XXXX failed to provide the report by mail. 

I have attached proof of letter sent to XXXX requesting the report. 
I have attached ID as proof of address and identification

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 2018-01-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I want to hook up my bank account with XXXX which I had and want to rehook it up but it says you are blocking me from enabling external apps. I want that xhanged. I have the right to do anything legaL WITH IT AND YOUR STOPPING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
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:
XX/XX/2021 I sent dispute letters to XXXX and Experian about a bankruptcy listed on my personal credit report with several errors. They both came back as verified and accurate so I sent the information to the Bankruptcy court to get the issues fixed. However I was given a letter directly from the court staying they do not give any information for credit agencies good or bad. They do not report to any Credit agencies. So this means this information wasn't verified like they said it was.

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 2022-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: The CMI Group, Inc.
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am having big problems with = Experian. com, on = Fraud & Thefts, Embezzlements, to my Credit Reports from them, a criminal group have been, racketeering off me? plus I have a, DA victims crime bureau case, just got ta fill out, Docs, plus got a Investigation Board in my Room, on this Group, I, m ex law enforcement,. 

The, Experian, Co, said I had = over = 26 Accounts of Fraud & Theft, done by, loans, advances, lines of credit, credit cards, purchases on files, I Got police Case on Experian, XXXX, XXXX, Clarity, I would like your Co, to get these All Legal Accounts, of fraud & Theft, and I give you permission, to collect my Financial Losses, from Every one Accounts please, By Laws & Regulation codes, penals, my = Bank Statements I have = they will be submitted today seperatly for all credit co, s on file and totals ok, any problems email me or call? my reasons why I do n't call or ask them, I, m sure there playing games here with my owed losses of acc, its a big mess = I got fraud & theft in almost every subjects by

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 2022-03-04
Company: EQUIFAX, INC.
State: MI
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 Convergent Account XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX SXXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I tried to send them a letter last XXXX asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

COMENITY BANK/NY & CO is violating the CCRAA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA, CCRAA and XXXX FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been dealing with NAVIENT for the repayment of my student loansXX/XX/XXXX : agreed to paying an extra {$50.00} a month, making my payment $ XXXXmonth. by agreeing to this, I would be enrolled in an INTEREST RATE REDUCTION PROGRAM. Agreement states that after 3 consecutive payment, my interest rate would decrease from 10.17 % to .001 %. On X/XX/2017 it shows my interest rate did decrease like promised, however, my {$250.00} payments are still going to interest and not principal balance. 
I called Navient NUMEROUS times for help and explanations and could not get any answers : X/X/17 XXXX XXXX : spoke with supervisor XXXX and she stated she did not have an answer for me and she would " look into it '' X/XX/17 XXXX : have not heard from anyone at Navient since I called onXX/XX/XXXX so I called back and was told that XXXX was " unavailable '' X/XX/17 XXXX : Called Navient again and spoke with XXXX. He informed me that he emailed XXXX and that XXXX is working on the issue and that XXXX will call me X/XX/17 -- I RECIEVED NO PHONE CALLS FROM XXXX OR ANYONE -- XXXX XXXX XXXX : I called NAVIENT again and spoke with XXXX XXXX ( XXXX ) because all of the managers and supervisors were again, " unavailable '' XXXX informed me that she " cant spend the day on the phone with me because they have a business to run and that I am being redundant for asking the same questions over and over '' She was emailing a supervisor to call me back. 
X/XX/17 XXXX : XXXX called me back. Explained to me the interest, however still could not give me any information regarding past interest amounts or past payments. 

**NAVIENT has no problem tracking you down for money but when I have a question regarding my interest rated and payment I was given the " run around '' and was told I would be receiving help and I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: WA
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 sent Equifax 2 dispute letters by now and all i know is that the accounts are listed as : Consumer Disputes information, I 've yet to receive letters regarding the outcomes of the disputes. More than anything I Want Equifax to provide me their verification process as IT IS MY LEGAL RIGHT UNDER FCRA 611 ( a ) ( 6 ) and ( 7 ) ... ... .... HOW DID YOU EVEN TALK TO THE COMPANIES!? THEY DO N'T EVEN LIST A PHONE NUMBER!!! SO I AM ASKING THAT EQUIFAX PROVIDE ME THE ''MAIL CORRESPONDANCE '' USED TO VERIFY THE ACCOUNTS WITHIN 15DAYS OF THIS COMPLAINT.

ACCOUNTS IN QUESTION : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX XXXX, 4 ) XXXX XXXX XXXX.

I DEMAND TO SEE YOUR VERIFICATION PROCESS EXECUTED IN 15DAYS AS STATED IN FCRA 611 ( a ) ( 6 ) and ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Collection Consultants of California
State: CA
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 asked Collection Consultants to stop trying to collect on a debt that has expired beyond the statute of limitations in California and remove from my credit report. They insisted they could still collect. Now, they have added false statements stating they're not able to reach me, although they have sent me notification to stop contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax continues to report inaccurate information a long with fraudulent accounts opened on my credit file. Their investigation process is flawed and outdated. They refused to block fraudulent accounts from my credit file. I have sent documents upon documents with the ID Theft Affidavit and police reports. Equifax 's unwillingness to block disputed fraudulent information and accounts are causing harm and stress as I can not open up credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The following information was sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail while providing any documentation, ie DL This has caused hardship on my household. 
My information is constantly on the XXXX web, I'm alerted every week about how a new inquiry for a new account ( credit, car, house ) in my old name and addresses. My name has been different for over a year, and all the other names on my account are either misspellings or haven't been my name for over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: BANKMOBILE TECHNOLOGIES, INC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I OPENED AN ACCOUNT W/ A BANK CALLED XXXX XXXX  AND SENT A  PERSONAL CHECK FOR XXXX  AS A DEPOSIT TO A PO BOX IN XXXX, PA.  THE CHECK CLEARED MY BANK.  YET XXXX MONEY STILL PUT AN EXTENDED HOLD AND IS NOT MAKING THAT DEPOSIT AVAILABLE.

WHEN I CALLED THE TOLL FREE NUMBER THEY ALWAYS ANSWER THE PHONE IN THE XXXX. THEY HAVE NO OPERATION IN THE UNITED STATES.

I AM VERY CONCERNED THIS IS A FRAUD IN WHICH A XXXX  AGENT INTERCEPTS MONEY FROM THE PENNSYLVANIA PO BOX AND ROUTES IT TO THE XXXX  IN AN OFFSHORE CON:

--THEY TOLD ME THERE WAS NO PHYSICAL ADDRESS OF THE BANK IN THE UNITED STATES.   THAT'S BECAUSE THE BANK IS IN THE XXXX.  THEY TOLD ME IT'S AN "ONLINE ONLY BANK" AND THEY HAVE NO ADDRESS.

--THEY THEN GAVE ME AN ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX CONNECTICUT WHICH IS A BUILDING WITH NO WINDOWS. CLEARLY NOT A BANK. NOWHERE NEAR THE PO BOX!

--THEY TOLD ME THE BANK HAS BM TECHNOLOGIES.  LOL IS THAT SUPPOSED TO BE FUNNY? XXXX XXXX XXXX XXXX XXXX  THIS IS NOT A LAUGHING MATTER.

--THEY TOLD ME THE FDIC NUMBER IS XXXX  WHICH WHEN I GOOGLE BELONGS TO XXXX XXXX XXXX. YET CHASE KNOWS NOTHING ABOUT THIS.

--THEY TOLD ME THEY WERE PART OF XXXX XXXX BUT XXXX SAID THEY'RE A PHONE COMPANY AND NOT A BANK!

--THEY TOLD ME THE CEO WAS XXXX XXXX BUT I GOOGLE THAT NAME AND HE DIED ON XXXX XXXX XXXX.  NO SUCH PERSON.

--EVERYTHING THEY SAID WAS HIGHLY SCRIPTED AND READ TO ME LIKE A ROBOT...THE "CUSTOMER SERVICE" AT THIS BANK WERE INCAPABLE OF HAVING A CONVERSATION.

I AM VERY CONCERNED THIS BANK IS AN ONLINE FRONT FOR A XXXX  CON.

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 2020-05-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Submitted an initial request here with assistance from my attorney but realized my social is wrong. These items on my credit do not belong to me and I'm submitted request for these items to be removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a business visa through Capital One for many years, NEVER been late on a payment and always pay more than the balance due. When I got this credit card the credit limit was approved without any problems or issues, so I do n't understand why all of a sudden the credit limit was decreased. Today XXXX I received a letter via email from Capital One informing me my credit amount was lowered ( see below for copy of letter ). I called Capital One immediately and they could n't provide a good reason why this happen and that there was nothing they could do about it, it was a decision on their part. As a business owner I use this card a lot and yes I always keep a balance on my credit card, per my personal Accountants request. No one from Capital One has ever called me to discuss this matter, I was blindsided by only an email with a standard brief message. As a consumer I feel this is terrible customer service on their part especially when my account with them is in outstanding status. There is a reason I asked for the credit limit I did when I opened my Visa card, I even told them at the time I would be using this card regularly, Capital One approved this credit limit years ago without any problems, they even told me with Business accounts they know balances are higher than most credit cards, as long as I pay the min. payment by the due date ( which I pay more every month on time ) everything would be okay and now they decide to lower the limit without just cause or any warning. Nothing has changed on our part, if anything my income and credit score is better than when I applied for this card. LETTER FROM CAPITAL ONE Our goal is to always keep you informed about changes to your account and how they impact your business. Today, we want to make sure you know about a recent change to your account. <P/>On XXXX/XXXX/XXXX, your credit limit was changed from. The reason ( s ) for this change : Recent monthly payments have been too low compared to balance on this Capital One account Proportion of revolving balances to credit limit have been too high on this Capital One account recently Use of all of your available revolving credit has been too high on your XXXX  credit report Recent payments have been too low for your credit limit on this Capital One account No other changes are planned at this time, and all other terms still apply. An official notice of this change, with additional information, will also be provided to you via mail and through the secure inbox with your online account. <P/>We value you as a customer, and we hope this change doesnt cause any inconvenience for you. If you have any questions, please give us a call at

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CIG FINANCIAL LLC
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Miller, Stark, Klein and Associates
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Miller, Stark & Klein associates have called me two times. Both times a voicemail was left using aggressive tones and told me that I had complaints in their office and that I would need to call back before it became a legal matter. I called back and informed the individual ( who did not identify herself ) that I have no bad debt and have amazing credit/score. I informed her she was a scam and to stop calling. She then proceeded to hang up. I called back and told her that I have no bad debt. She proceeded to call me a liar and say that liars always say they have no debt. She then told me to stop calling. I told her I would stop calling when the manner was resolved. She said she was hanging up and I said I will call back. She then informed me that she would press charges for harassment if I called. I kindly told her the same thing. She then hung up. I called back and she refused to let me talk to a supervisor. I called the other number she left on the voicemail ( the number calling and the voicemail number were not the same ) and nicely explained the reason for the call. She asked me for my number, in which I have it. She put me on hold and came back to inform me that my number had been deleted from the files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX XXXX the XXXX/XXXX/2017 wire transfered XXXX USD to Coinbase Inc. the XXXX/XXXX/2017 Coinbase Inc.  Notified by email and their support platform tha the wire transfer would be reversed in 3-5 labor days. 

So far I 've had only a repetitive response " we are working on it, we are busy, etc.. '' reaching them requires hours of phone call waiting and so far no response from their support platform except their " automatic '' follow up. 

We consider its completely unacceptable to hold our money for 10-12 days when the electronic wire transfer takes MAX 3 days, and in 90 % of the cases less then 24 hours. 

We are worried our funds are being using for their regular operations and holding it as long as possible before proceeding with the reveral.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed item listed on Experian as lease XXXX XXXX XXXX XXXX Opened XX/XX/21 {$5100.00} original bal 2 months past due Account XXXX XXXX phone Answer from Experian - debt verified by lender No changes made to your report. 

Called lender they had a hard time finding the account in question because they insisted on looking up account via phone number or email used. I of course dont know either. They finally found the account. They did confirm the amount on credit report. They transferred me to collections. I explained the error got mad and said they would look into it. 

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