BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters certified over 60 days ago and have not been notified. As a consumer i feel like these bureas taking advantage of normal people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, INC.
State: CA
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:
Ive sent three letters requesting the removing of XXXX XXXX XXXX inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX they would know this account was reported as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XXXX I attempted to get a XXXX increase line of credit on my Capitol One Visa Card. 
I have a XXXX limit. My pet is having XXXX and the cost is over XXXX. I own my home outright and my XXXX  XXXX XXXX vehicle. My credit score is in the XXXX mark and has been for over a decade. I have no outstanding debts. I am retired on a monthly XXXX pension after taxes. On XXXX I ran up a XXXX charge on the capitol One card and paid off the entire amount within 12 days of making the charge. 
I tried online for a credit increase and was offered only XXXX. I called the credit card company but was told there was nothing they could do for me. 
This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Entered into payment plan for card in order make payments more affordable. Card representative did not disclose payments made according to the payment plan still counted as late payments. This resulted in four late payments for 2020. I would not have entered into payment plan if representative disclosed I was still subject to original payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to open a bank account with XXXX XXXX XXXX XXXX. They denied me, they told me contact XXXX XXXX So I ordered my XXXX XXXX Report. I saw that it said that I was suspected fraud activity. The charge amount was {$2000.00}. 

It also states that at the time of this happened I was living at XXXX XXXX XXXX XXXX, GA XXXX. I have never resided at that address before, nor do I know anyone that lives at that address. 

I have been homeless 15 out of the last 16 years. I would never and have done anything like that before. Someone stole my Identity in 2016 from a XX/XX/XXXX shelter. I repeat I did not open that account with Bank of America. I'm trying to get my life back on track with the help of family and organizations. I ask that you help me navigate my way getting me out of this situation.

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 2020-11-03
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I Purchased jewelry via a 12mo. Promotional Plan offered by Iddeal Card ( Comenity Bank ) on XX/XX/XXXX. The plan stated that I had 12 months to pay the balance. If the balance wasn't paid by XX/XX/XXXX, I would be charged interest. I followed the plan, however the plan expired prior to my last payment. I was immediately charged {$520.00} interest on a {$240.00} balance. The promotional plan did not state that I would be charged interest on the original balance - {$2900.00}. I understood that I would be charged interest ( as with all other credit cards ) on the current balance. I discovered this issue on XX/XX/XXXX, contacted customer service the same day and was told that there was nothing they could do. The plan is intentionally vague. I have no issues about paying the {$240.00} I legitimately owe. I take issue with the excessive interest charge. I have credit cards with other companies and have never been charged over 100 % interest. 

Note : The statement shows 29.99 % APR. Balance Subject to Interest Rate : {$240.00}. Interested Charge : {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Experian Information Solutions Inc.
State: MS
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TCF NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, a letter was sent to me to advise that eff XX/XX/XXXX, TCF National Bank and Chemical Bank were merging, my line of credit account would be given a new loan number, and there would be a different way to submit payment online. I followed the instructions and set up a new user profile and once logged in, found I had no information regarding my account. No payment due date, amount due, or balance information is present anywhere on their website. I can submit a payment, but am weary about sending money through this new site when I can't confirm if it's even going to my account. The only contact information provided is a phone number, XXXX. I have called this number every day since XX/XX/XXXX and have yet to get through to a live person. I usually spend an hour on hold before giving up, today I'm at XXXX and said enough is enough, time to file a complaint. How a legitimate financial institution can not provide simple information like payment due and due date, and the outstanding balance is beyond me. And then to not provide a means to speak to someone about their account is inexcusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: SYNCHRONY FINANCIAL
State: FL
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 ordered an outfit from XXXX XXXX using my Paypal account on XX/XX/21. I paid for overnight delivery as I needed the outfit for XXXX XXXX weekend. I received an email on the next day indicating the package was delivered. I got the attached email stating it was delivered ; however, nothing was at my door. In fact, the email did not include the apartment number, but the original order confirmation email does. So, who knows what apt got the package. Paypal denied my claim twice. This is not fair! Even the XXXX site do not even have the exact address so, how can they prove that I received it? I pay my bill in full every month so I don't need to lie about {$60.00}! XXXX XXXX refused to refund as well.

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 2020-08-26
Company: EQUIFAX, INC.
State: NV
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:
names address and accounts wrong XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY SSNs XXXX  XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$320.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3300.00} Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$640.00} past due as ofXX/XX/XXXX. 
Account TypeCredit card Balance {$7200.00} Date OpenedXXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date XXXX XXXX XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$770.00} Date OpenedXXXX Dispute XXXX XXXX   XXXXshow tooltip button XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payments begin XX/XX/XXXX. 
Account TypeFHA Mortgage Balance {$270000.00} Date Opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony is claiming I owe them XXXX still. I paid odd the account in full in XX/XX/XXXX. I have solid proof.

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 2018-02-20
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I have received a total amount of {$1100.00} in Bitcoin ( XXXX BTC ). I sold the Bitcoin which came to an amount of {$1100.00} which was supposed to be wire transferred to my account with XXXX XXXX XXXX  and the funds should have been available on XX/XX/XXXX. The funds were never deposited to my account. 

I have contacted COINBASE a total of 47 times over the phone and email from XX/XX/XXXX up to today XX/XX/XXXX to no avail. They have created the case # XXXX which has been " escalated '' over 3 times, supervisors have added notes to it, so have representatives. No additional answer from COINBASE and it has been over 2 months now.

Additionally I have requested a letter from COINBASE explaining their wire transfer issue so I can show to my bank in attempts to have over 16 overdraft fees in the amount of {$34.00} each reversed. No answer from COINBASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My husband and I each applied separately at different time about a year or two appart to Citi Card  because they had what looked to be a great cash back program. My husband and I both have excellent credit. They have now declined both of us but the reasons they gave were false. They told my husband that he could not have credit because he applied online and on paper, which he didn't do, but they would not reconsider. They told me it was because XXXX put a hold on credit. I called XXXX who told me my credit was NOT on any kind of a hold or alert and that I had no late payments, defaults or anything. One of the listed bonuses Citi offers is for paying off credit card every month. My husband and I pay our credit card off every month. I believe Citi is looking for people who carry a balance ONLY and reject the rest. The problem is that by applying for a credit cart that the company was never going to approve, then affects my credit because they pull a hard report from the reporting company. This is a SCAM!!!

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 2018-07-05
Company: EQUIFAX, INC.
State: IN
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:
I have submitted information to equifax regarding a collection that I do not owe. I received a letter stating that the disputed account was not reporting. When I pulled my credit report, it was still listed. When I called Equifax, I spoke with a supervisor XXXX  ( XXXX ) who was no help. He just continued to state that the inquiry was not reporting. I explained to him that it was not an inquiry but a collection account. He said there was nothing that could be done since it was not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Real Time Group, 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: Old information reappears or never goes away

Complaint:
The second mortgage on my foreclosed home was transferred from XXXX to Realtime Resolutions in XX/XX/XXXX. The last payment on this mortgage was made XX/XX/XXXX and was charged off by XXXX. However, Realtime Resolutions is showing a new 90 days late payment in XX/XX/XXXX on my XXXX credit report. I should not show a new late payment just because the balance was transferred to a new servicer. I have disputed this error directly with Realtime and XXXX  and have received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
During the hurricane Irma. XXXX put me on a hurricane disaster program until I caught up on my account. I advised them my job won't open until XX/XX/2018 due to damage. The rep stated it won't affect my credit. After looking at my credit and disputing thru XXXX  XXXX they denial my claim for hurricane issues.

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 2022-08-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account xxxxxxx, XXXX Account xxxxxx, 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 account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE 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:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

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 2018-02-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested a mortgage modification with my mortgage company XXXX XXXX. 
My hardship is my son was shot though and criminal act in the city of XXXX Tennessee XX/XX/XXXX and he still is under doctor care. My adult son does not have insurance and I'm responsible for his recovery. 
I provided PenneyMac the {$58000.00} hospital bill stating the bill was self pay and it reflects my son was XXXX. The mortgage company is refusing to accept this documentation because my adult son 's address if different from mine. My son name is XXXX XXXX XXXX and he is currently living with me until he is able to take care of himself. My relationship manager is XXXX XXXX has refused to return my call or speak with me regarding the status of my modification request when I call, as of XX/XX/XXXX. I was informed by customer service she has closed my file. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: VA
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian Report # XXXX XX/XX/18 Experian has not updated m several accounts as paid listed as paid on time or nothing since XX/XX/2018 XXXX XXXX account ending in last 4-XXXX XXXX XXXX XXXX XXXX account last 4- XXXX/ XXXX XXXX XXXX account last 4-XXXX  XXXX XXXX   account -XXXX XXXX XXXX XXXX XXXX last 4- XXXX   XXXX XXXX XXXX last 4- XXXX I call all of these accounts and was told that they report for the month so that means Experian is not updating credit reports as they state there doing month to month.

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 2021-04-25
Company: HW Holding, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or the company you represent. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that HUNTER WARFIELD absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm a victim of identity theft, all of my personal information was stolen and used in various states. I dispute a item that is not mines, each time it comes back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
One payment was declined from the bank and Navient will not accept payment from that bank anymore. They also wo n't accept payment from an account without my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: WELLS FARGO & COMPANY
State: CT
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:
On XX/XX/XXXX I sent out letter to have the debit from Wells Fargo removed as I filled it on my taxes as a cancellation debit XXXX form and the debit is still on my credit report. This debit is paid for now and should be up dated with Wells Fargo XXXX  XXXX  and XXXX  immediately.

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