BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: Experian Information Solutions 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:
Hi. I'm trying to get a home loan processed. There is a freeze on my Experian credit report ( done by me previously as a response to an online data breach ). This freeze is preventing me from getting a mortgage. Experian is un-responsive both online and by phone to help me remove the freeze. On the phone I get hung-up on before being able to talk to a human being, and online I am unable to login to my account do to a website error. 

I'm looking for a lawyer which can help me remove the freeze, but thought it prudent to also file a consumer complaint. Unfortunately Experian doesn't let you talk to a human being as an individual, this is my last resort.

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 2019-07-11
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:
I have 2 more violations of the FCRA from Experian. I submitted a dispute on two accounts : XXXX/XXXX  and XXXX on XX/XX/2019. Experian notified me that they were in receipt of the disputes on XX/XX/2019. I was subsequently notified on XX/XX/2019 that the results of this dispute were ready. The date of last update shows that Experian did NOT conduct an investigation per 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681s-2. The dates of submission to the dates of " completed update '' show that Experian simply ran out of time to complete an actual investigation and simply put out old information that is inaccurate.

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 2018-01-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
In XX/XX/XXXX, I used Coinbase to buy and sell Bitcoin. I have over 200 ( I 'm a XXXX citizen, but Coinbase are a US based company ) in my account which I now wish to withdraw.

On XX/XX/XXXX, I followed Coinbase 's instructions on how to verify my bank account. This required the sending of a SEPA transfer in Euros from my account to Coinbase using a specific reference code. A total of 6 was sent, in accordance with their instructions for minimum values. Coinbase claims that it will take 1-2 days to verify a bank account. I followed their instructions to the letter, and when my SEPA transfer showed up in my Coinbase account the stipulated reference was clearly visible.

I grew concerned after 4-5 days that I had not heard anything, but gave Coinbase the benefit of the doubt given that it was XXXX. However, after 10 days I decided to get in touch to check the progress of my account being verified. Coinbase 's website makes it very difficult to get in touch with them. The only mechanism for 'contact ' is a bot helpdesk which was unable to give any advice on the matter at hand. When I did eventually find an email address onXX/XX/XXXX, the email bounced because it is no longer in use. A response from Coinbase gave a separate email to contact.

I emailed this new address on XX/XX/XXXX to request an update as to when my bank account would be verified. My request was very clear - it stated that I had followed their instructions, successfully deposited a SEPA transfer, and that I just needed my account to be verified. I got a response that same day from an employee called XXXX, but it simply listed the instructions on how to verify an account - they did not make any attempt to address the specific issues outlined in my correspondence. I responded to XXXX within 15 minutes to clarify my request and ask that they simply confirm when my account would be verified. I then received a response the following day ( XX/XX/XXXX ) stating that my case had been escalated to a specialist. That is the last I heard from Coinbase.

I emailed them chasing a response on XXXX XXXX, XXXX, XXXX, XXXX, anXX/XX/XXXX, and have sent multiple XXXX/private DMs to their @ Coinbase and @ CoinbaseSupport accounts. They are simply refusing to respond.

At this point I am very distressed by this matter as I now believe Coinbase to be a scam company who are stealing money from innocent investors. Screenshots of my Coinbase account showing verified receipts of SEPA transfers with dates are attached as evidence of my having followed their guidance correctly, and to versify my account of the dates in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/19 I submitted request to Equifax by phone to place a freeze on my credit file. The option to place a freeze is buried in a hidden menu of options that can only be reached by pushing 0 several times with no prompts. Then after giving information ( SSN and numeric part of address ) system informs that request can not be completed. No instructions for mail or online are provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: HCFS Healthcare Financial Services of TeamHealth
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:
To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts XXXX, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.

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 2018-01-24
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My son sold a camera to an individual a site and was paid by the individual via Paypal transaction. Unfortunately he is a XXXX XXXX therefore does not have a steady income and was not expecting for the buyer to return the item and had already purchased another camera to do a XXXX job to help me out with bills as I am permanently XXXX due to XXXX XXXX XXXX XXXX and living on a fixed income and we are living with my elderly mother as we are unable to be on our own at this time. As soon as we were notified by Paypal I myself personally contacted Paypal and spoke with a representative named XXXX approximately on X/XX/18 and I asked her specially if we could make monthly payments in good faith and explained our situation, I also asked her about collections and or credit reporting and she informed me that they do not report to credit angencies and that yes I could make payments on what I could afford. I then made a {$5.00} payment immediately and it was accepted by Paypal via electronic check therefore they accepted the payment therefore what I paid was accepted as good faith payment and it was not returned by Paypal therefore they had no right to send this account to a collection agency without any communication via phone other than one email I received and that is when I responded to them via a telephone call. I will not be harassed by this collection agency as I know my consumer collection law rights and all the processes that did not take place in the handeling of this account. I will also be contacting the BBB regarding PayPals failure to honor what they told me or the lack of any hard copy written communication to me regarding this matter! When I contacted Paypal initially regarding this matter and my means of helping my son pay the balance off they assured me that my account was notated and that they would accept what I could pay as long as I made a good faith payment which I did and I was never told it had to be any specific amount and when I asked XXXX told me just be sure to make a payment of what you can and I wil notate your account. So that is what I did. A few days later I received this notice?!! Also, the information needs to be changed to my sons name XXXX XXXX and I will provide his social security number to Paypal over the telephone because he is the the seller and needed to utilize my Paypal information to be able to sell the camera initially but I will be helping make payments towards this balance as he is not permanently employed and helps me out by working when he can get a job taking XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-03
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Federal tax lien reports as unpaid and open I have submitted disputes with documents ( XXXX withdrawl of filed notice of federal tax lien after release XXXX to show that the lien has been withdrawn. Equifax still comes back that lein is accurately reporting which it is not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Paypal Holdings, 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 been with Paypal for over XXXX years with no issues or hiccups. Out of random i received an email on XX/XX/2021 at XXXX PM that my account was closed and that i was unable to use paypal anymore due to filing cases with the XXXX XXXX XXXX contrary to the terms of the user agreement. This came as a surprise because i received no warning with paypal or any issues with my account and the last dispute was done XX/XX/2021 Paypal had the last say in the disputes and approved them all so why am i being penalized as if i did something wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: ORG GC GP Buyer, LLC
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I contacted XXXX to schedule an exam for my XXXX XXXX XXXX certification and they told me that I had a five year period to take the exam and that my training was obsolete. I then contacted the Justice Dept and Higher Ed Dept. To ask them why must I pay for an education that I could not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CAVALRY INVESTMENTS, LLC
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:
To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts Cavalry, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have recently opened my monthly statement to see that there is deferred principal in the amount of {$7800.00}. I have always paid my monthly payment even during the pandemic. 

There is absolutely no reason why I should have deferred principal. This company continues to plays games with my mortgage and my monthly payments. This is a negative amortization mortgage, which is illegal in some states, and the company is literally stealing from me. 

Now they come up with this nonsense! I have made several complains in the past and the CFPB has done nothing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Unauthorized XXXX payments were taken out of my Wells Fargo account on XXXX XXXX, 2021. Both transactions were in the amount of {$900.00} each. I submitted a claim with Wells Fargo on XX/XX/XXXX. During that phone conversation, a specialist closed my account and opened a new bank account. After XXXX business days, we called Wells Fargo for a status update and the specialist informed us the claim was mistakenly filed under someone else 's name ( no relation to me or the other account holder ). I had to file another claim on XX/XX/XXXX21 and was informed it would take another XXXX business days for resolution. This is after several phone conversations with several fraud specialists at Wells Fargo resulting in hours of on-hold time and hours of conversations with several difference fraud specialists. We were just informed today that WF has denied the claim. 
XXXX is the bank 's money app that I never use. I did not authorize those transactions.

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 2018-02-26
Company: EQUIFAX, INC.
State: TN
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 posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2017-Refinanced higher interest loans while leaving lower interest loans by using XXXX for the total amount of {$190000.00}. 
Navient incorrectly received and allocated funds to loans that were paid by XXXX. 

After 2 months of reaching out to Navient to correctly allocate payments, Navient finally allocated the missing {$25000.00} of payments from XXXX to the correct loans. 

However, in doing so, Navient has now increased the principal amounts of other loans that were not refinanced by almost the same amount, {$24000.00}. Existing loans that were not part of the refinance now have incorrect principal amounts greater than the original amounts. This is a clear and blatant action from Navient to falsely alter other loan balances. I have proof of all loan balances before and after Navient 's adjustment that were illegally changed without my approval or knowledge. 

Navient continues to refuse my claims of improper payment allocations and refuse to accept any evidence to support my claims. I have taken screenshots, printed PDF copies of all my loans during the refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Absolute Resolutions Corp.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt was awarded to my ex-husband, XXXX XXXX, in XXXX of 2021. I provided the company and the collection agency with the divorce paperwork asking t Them to remove it from my credit. No response from either company. In XX/XX/2021, I contracted with a credit repair agency to get this taken care of. They have sent multiple letters to avant and absolute resolution, the collection agency on my credit report, with no response and they have not removed it from my credit. I do not know what to do to get these people to take this off of my credit. I have sent them legal documents, the XXXX XXXX XXXX has sent them multiple legal documents, and they are doing nothing that late they are legally obligated to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged {$4.00} for the last 3 months for a service fee totalling {$12.00}. 
A letter from TCF bank stated that as of XX/XX/2019 a {$10.00} fee will be charged for accounts with no activity for 365 days or less than {$250.00} in the account. I opened an account on XXXX {$50.00}. Ther has been no activity since, now the account is {$12.00} short. Their terms and conditions state they may charge a fee but never notified me of a fee process except for the letter mentioned above which is not binding until XXXXThier 10 page fee schedule does not state any exact maintenance fee schedule. I believe this is an inproper business practice using a 36 page T & C booklet and a 10 page fee booklet without specifically showing a fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-20
Company: Experian Information Solutions Inc.
State: MO
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 accounts that's reporting on my credit report inwhich I have absolutely no knowledge of and respectfully requesting that they be blocked due to them obviously being someone else 's. And in accordance with the FCRA law, I'm requesting physical documentation with dates and signatures to collaborate what the agencies are reporting. So what I'm saying here is that I have no contract with the following companies ( 1 ) XXXX XXXX XXXX for {$120.00}, {$120.00}, {$1000.00} ( 2 ) XXXX XXXX XXXX, {$1000.00} ( 3 ) XXXX   XXXX XXXX, {$920.00} Please Block All the above accounts or send me physical documentation of such.

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 2023-06-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 5 previous letters to you including one FTC report which was confirmed on the phone by one of your reps- XXXX ( confirmation # XXXX XXXX. He said the inquiries would be marked as fraudulent and would be off of my report within 72 hours which the call took place on XXXX. Today XX/XX/2021 they are still on my report., I am requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I await your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation