BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: Experian Information Solutions 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:
On XX/XX/2021 I sent the credit bureau a letter concerning inaccurate collection accounts on my credit report that are all reporting inaccurately. They have not conducted a proper investigation into my dispute and they have not corrected or deleted these accounts as the FCRA states. I have also reached out to the collector who furnished this inaccurate information and they too have failed to delete this inaccurate information from my credit report. This is causing me great XXXX and I want to exercise my right as a consumer and file this complaint because they violated the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance : {$1200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX {$250.00}

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 non-monetary relief
Consumer complaint received 2018-01-06
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: Account status incorrect

Complaint:
My XXXX AUTO LOAN ACCOUNT HAS BEEN SHOWING 4 30DAYS LATE PAYMENTS ON IT, I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND THE BANKS CREDIT COUNSELER SAID SHE COULD NOT ASSIST ME WITH GETTING THE LATE PAYMENTS REMOVED EVEN WHEN I WAS NEVER LATE. RIGHT NOW THE ACCOUNT IS SHOWING TO BE PAST DUE WHEN IT HAS CLEARLY BEEN PAID AS AGREED AND CURRENT. I DO PLAN ON TAKING LEGAL ACTION AGAINST THIS COMPANY FOR REPORTING THIS INACCURATE INFORMATION. I HAVE SPOKEN TO SEVERAL INDIVIDUALS IN THE BRANCH AND EVERYONE HAS NO CLUE ON HOW TO HELP ME, BUT THEY CONTINUE TO ACCEPT MY ON TIME PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried to have myself added to my wife 's checking account at XXXX XXXX on XX/XX/XXXX. The informaiton from Experian is that they could not validate my dentity, and caused the addition to be canceled. We made several calls to Experian, the 1st rep said this was because someone tried to enter my Social Security too many times and caused it to block, but could not give any additional information. Called, back and was told that there were no blocks and that we would have to file a dispute with a hard copy of my credit. ( I have a copy, and there is no reason for chase to not be able to open the account ) I called again, and asked for a manager, and the rep was nasty, ( XXXX ) and after 30 minutes on hold, hung up on me, because I insisted that a Manager call me back if not available. 

I had an issue in the past with Experian mixing my credit information with another person, and had to have that resolved. There are also notices on there website regarding my information for my email being compromised, but the reps spoken with have no indication of that. 

The bottom line is that there is some issue with my SS # with Experian, they do not know and can not fix it, and I am unable to change banks because of this. I am am homeowner, and just purchased a new car in XXXX of XXXX, and should not have this issue.

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 2018-01-06
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, I did a wire transfer of {$40000.00} to Coinbase from my checking account ending in XXXX. I was expecting it by next day but when I called their bank " XXXX XXXX XXXX '' that was in charge of all wire transfers for Coinbase about the transfer, they told me that due to a memo issue my funds will not be accepted and should be returned to my account within 3-5 business days. 

I call back a week after to XXXX XXXX XXXX  after noticing my funds has not been refunded yet. They told me that due to the influx of new users sending transfers from Coinbase that the wire deposits and refunds may be delayed. I can either send a recall message or just wait up to a month for the deposit to automatically be refunded to my account. Due to recall messages having a cost, I decided to just wait longer for my funds back. 

Fast forward to a few more weeks. It 's been a month already since I first wired the deposit and at this time I 've already sent out 2 support tickets, 4 emails, over 9 phone calls, and even go as far as to contact Coinbase through their twitter account, but no response. The only time they did responded to me was saying that the funds were refunded already but it was not. 

I decided to do a recall message from my bank " XXXX XXXX XXXX '' and called XXXX XXXX XXXX again after a few days to make sure that the recall message was sent. They told me that the message is received by Coinbase and just waiting for them to send me back the funds. It 's been a month already after the recall message and I still have not received my funds. 

So a total of 2 and a half months of wait time with no response from their phone support, no response from support ticket, no help from the one time they responded to me on email which 3 of the emails were ignored, I am still missing my {$40000.00} from Coinbase. I am very unhappy with how Coinbase is holding my funds for such a long time and this is the reason why I 'm filing the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of Inquiry 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 non-monetary relief
Consumer complaint received 2022-01-19
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist bank refuses to give me my money back out of an account they closed due to fraudulent activity. I have had several deposits hit the account and they will not allow me to withdraw my funds that i need.

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 2017-09-19
Company: Carter-Young, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had to XXXX from duty station to another. I submitted my signed orders ( which by law should have taken me out of my lease ) to XXXX XXXX. The property manager continued to charge me rent and charged me other fees as well. They did not repay me my security deposit either. Instead, they sold a fraudulent debt to a shady collection agency, namely Carter-Young.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do n't remembering having an account with Capital One which states I owe {$2800.00}. I see this account listed on my credit report which shows it was already Charged off / Written off, as the last payment was paid XXXX 2015. Now 2 years later I received a notice from a XXXX XXXX XXXX XXXX XXXX XXXX which states they are collecting for Capital One. This is not my account and it is listed on my credit report which was just brought to my attention due to this Collection company sending me a notice to pay or receive a Judgment. This legal document has no stamp from the Courts which makes me think this is not a legal document. What can I do to stop this collection on an account I do n't believe I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
It is an ongoing problem with PayPal. They keep freezing or making it impossible to send my money I have earned through XXXX. The latest is last month they asked for id and social security card, which I gave, as PayPal said to resolve account, yet one month later, still can't get or send my money. 
PayPal has done this to me at least 3 other times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I PLACE A ORDER WITH XXXX XXXX ON XX/XX/XXXX FOR XXXX XXXX AND PAID ADDITIONAL TO HAVE THE ORDER SENT SECOND DAY AIR {$1300.00}. VENDOR ENDED UP SENDING IT THROUGH POSTAL SERVICE AND ITEM WAS LOST NO MOVEMENT FOR OVER A WEEK. I CONTACTED VENDOR OPTICS PLANET AND I WAS TOLD TO WAIT 25 DAYS AND IF THERE WAS NO MOVEMENT THEN THEY WOULD FILE A CLAIM FOR ME. I WAS UPSET AND TOLD THEM THAT WASN'T OK AND I WANTED A REFUND OR A REPLACEMENT ORDER. THEY SAID NO. I CONTACTED BANK OF AMERICA AFTER THAT CONVERSATION AND STARTED DIDPUTE PROCESS, THEY ASSURED ME A IMMEDIATE CREDIT SINCE I PROVIDED THEM PROOF AND THAT THE PROVISIONAL CREDIT WOULD BE PERMANENT IN 45 DAYS. I NEVER RECEIVED CREDIT FROM BOFA XXXX XXXX SAID THEY CANT CREDIT ME BECAUSE ITS TIED UP WITH DISPUTE PROCESS AND I CAN GET A STRAIGHT ANSWER OR EVEN SOMEONE ON THE PHONE AT BOFA. CLAIM AT BOFA WAS STARTER XXXX AND EVEN IN THERE POLICY IT STATES 45 DAYS TO BE COMPLETED

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 monetary relief
Consumer complaint received 2019-09-24
Company: Partners Financial Services Inc
State: NM
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Years ago I attended truck driving school in another state then where I live now. The company and I had several conflicts regarding federal laws after I completed the school. In XXXX I left the company as I felt they were putting the general public and myselfs safety in danger. At this time I felt our prior contract was null and void as the actions they took during my employment was a breach of contract. Later they sent that loan to a collection agency who is threatening legal action after the stattuet of limitations has expired in the state where the transaction took place, and where I lived at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I consumer XXXX XXXX, I sent NAVY FEDERAL a cease and desist letter demanding NAVY FEDRAL send me an audit trail of this account. NAVY FEDERAL have failed to provide me with the necessary documents to be able to validate this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Halsted Financial Services, LLC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received repeated phone calls from a company called Halsted Financial about a debit they claim I owe to XXXX. I told them I 've never ordered anything from XXXX, and I asked if they feel this is a valid debt, please contact me via mail. If was told the phone calls will continue until the debt is paid. They call all day long, and I block the number and they call from other numbers. One representative had the audacity to tell me to and I quote " LOOK FORWARD TO MORE CALLS COMING MY WAY. '' This is unacceptable even if I owed the debt they are claiming. X/XX/2017 XXXX : XXXX, X/XX/2017 XXXX XXXX, X/XX/2017 XXXX XXXX, XX/XX/2017 XXXX, X/XX/2017 XXXX, XX/XX/2017 XXXX, X/XX/2017 XXXX. The list goes on. If there anything u can do to stop them from harassing me about a debt I 'm telling them I do n't owe, it would be greatly appreciated. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I let care credit know that I was filing for bankruptcy XX/XX/XXXX. I received XXXX letters afterwards. I called on XX/XX/XXXX to ask why I was still receiving letters in the mail if I advised them I was going to file for bankruptcy. They insisted that they will not cease communication until they receive a case number. They admitted that their system was updated XX/XX/XXXX that a bankruptcy was pending. Hence why I was immediately transferred to the bankruptcy department since the regular customer service staff refused to speak with me. When I asked the bankruptcy department if they were supposed to stop contact with me once they were notified I was going to file for bankruptcy, they said they can contact me until they receive a case number. Im tired of being harassed. It took XXXX months for my bankruptcy petition to even be prepared. It was just signed XX/XX/XXXX and I still havent received a case number because of the backlog in court. What care credit is doing is not fair. I cant control the courts. And apparently its unlawful for them to harass me if I am in the middle of filing for bankruptcy even without a case number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Veripro Solutions Inc.
State: GA
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:
Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in 1998. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: SYNCHRONY FINANCIAL
State: FL
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:
Opened account for purchase of furniture at house address where furniture was delivered. Credit card was delivered to same address. Credit card company/Synchrony Bank sent XXXX monthly bill to another address so payment would be missed on promotional 0 % APR to change/charge default interest rate at 29.99 %. Bad faith by credit card company Synchrony Bank. Synchrony Bank could not provide explanation for change in billing address not provided/initiated by myself/customer. 

Please investigate bad faith by credit card company Synchrony Bank for change in billing address. Thanks

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 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT AND HAS CAUSED TREMENDOUS HARM TO MY CREDIT REPORT. PLEASE INVESTIGATE THOSE DEROGATORY ACCOUNTS AND HAVE THME OFF MY CREDIT AS SOON AS POSSIBLE. I AM DISTRESSED BECAUSE I HAVE NO IDEA WHO WOULD HAVE HAD ACCESS TO MY PERSONAL INFORMATION, PLEASE DO WHAT YOU CAN AND HAVE THESE OFF MY REPORT. KEEP IN MIND THAT I DID NOT AUTHORIZED THESE 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 explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
this loan has been paid off. I paid the account right away and now found out that the account appears as a paid collection on my credit report. This account was not even being reported to the credit bureaus when I was paying on time. CFPB step up and fix 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 2022-10-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : XXXX XXXXXXXX : {$19.00}

Company response to consumer: Closed with explanation