BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-06
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Last XX/XX/2018, I sent a letter to XXXX including a copy of my FTC report and a copy of my police report. On the same day, I also sent this credit bureau a letter to dispute some items on my credit file, name : Bankruptcy Ref # XXXX and XXXX ref # XXXX. The Bankruptcy reported 's open date is incorrect and this item doesn't belong to my credit report. For the XXXX account, there has been problems receiving statements and notification due to Id theft and stolen mail. I called XXXX today and spoke to rep XXXX, the confirmed receipt of the letter, ftc and police report I sent. They even waived the late fee for XX/XX/XXXX, and said that the have already submitted a request to investigate last XX/XX/XXXX which will take 30 more days to complete! This is unacceptable! EVEN FCRA 605B states that the account linked to any ID THEFT MUST BE REMOVED WITHIN 4 DAYS by the credit bureaus! More over, It has been more than 30 days and yet, I received nothing from the bureaus.

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 2021-07-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I thought this was resolved over a year ago. I am in the middle of trying to obtain a mortgage loan for a new house finding out that it was not. I have a letter from XXXX XXXX stating that they added some note to the credit report to advise that I was in a loan modification and was NEVER late and was Never 120 days behind. But the credit report still shows 120 + days late. I was told on numerous occasions that this was to be corrected, but it has not.

I call into their customer service line and wait for them to fill out another form and they will contact me when it gets thru their investigation yet again. I have sent copies of the payments I have the 1st complaint letter in your file that says that they have called me ( no ). I need this corrected asap and no I don't have another 30 days. I have included the letter that was sent to me again the other day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
merchant : XXXX XXXX credit card co : Chase I have tried multiple times to resolve this with my credit card company since XXXX. They are now telling me that it is past the date and I have no recourse for a fraudulent charge on my card. The merchant XXXX XXXX has a a history or overcharging our card and manipulating invoices. 

I have submitted documentation multiple times, and Chase has chosen to either ignore my documentation or take the manipulated documents from the merchant as valid. 

I have original email correspondence from the merchant of the original emailed invoices, they emailed altered invoices to Chase to document the charges. 

I have emailed, faxed and called Chase on multiple occasions regarding these charges with little or no resolution. They keep telling me to wait for a letter in the mail, but when the mail comes and I send documentation back, there is no way to know if someone is working on it. I last spoke to a representative from Chase today at XXXX Hawaii Time.  His name was XXXX and now he tells me I have no recourse because too much time has passed. I started this in XXXX. I last called and submitted documentation on XX/XX/XXXX. They told me to wait up to 30 days, now he tells me that too much time has passed? 

I have more documentation to submit if necessary, history of emails, fax transmittals etc, but I was not given an opportunity to discuss what information they thought was valid and invalid. 

I am so appalled that my credit card company is not protecting me from this deceptive vendor and the representative would not tell me why they think the charge is valid, only that there is no further recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01
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: Was not notified of investigation status or results

Complaint:
My personal information was exposed in several data breaches, bank & credit was compromised, resulting in accounts being closed. All documents were sent via certified mail to the credit bureaus to request items be deleted from credit reports. As of yet, I have not received a response from documents dated XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XX/XX/2018 checking my credit report I see XXXX Removed XXXX points from my score for opening an account TransUnion only XXXX with more changes on my report I feel XXXX is doing this to get back at me for the ongoing dispute I have with them .I never heard of that many points takin for opening a account

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 2018-03-27
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I created a Coinbase account last year to dabble with cryptocurrency. This process involves submitting a picture ID ( Drivers License ), a photo using your computer 's camera, personal info, and banking information. Your email address is submitted as well and used as your user name for access to your account. Coinbase uses a 2 factor authentication process if you or someone tries to change your password.

I made a few small investments in Bitcoin and Ethereum in XX/XX/XXXXor XX/XX/XXXX.

InXX/XX/XXXX I switched internet service providers at my home which inadvertently shut off access to the original email address used to set up my Coinbase account. I forgot to go online and change the account information to my new email address. In early XX/XX/XXXX I received a text message from coinbase as part of the 2 factor authentication alerting me that someone was attempting to change my password. I denied the transaction and immediately tried to log into my account. I was not successful. The reset password option will only allow me to send a reset option to the original ( non-acessable ) email address. I have called and emailed Coinbase tech support since XX/XX/XXXXwhen this happened. I was told to setup a new account and submit the same authentication documents as I did with the first account. I did this, this time using my new email address. I have been told that this situation has been " escalated '' to someone who can help. NO HELP has happened. I have been locked out of my account and missed an extraordinary opportunity. I have watched the price of Bitcoin and Ethereum explode and now plummet!

I still have no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Santander Consumer USA Holdings Inc.
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a fraudulent charge with my debit card. I did not make a purchase and someone charged XXXX dollars in equator. I informed the bank within 2 business days and filed a fraud claim. The bank denied the claim and said they would take my funds.

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 2020-05-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX my car was totaled and Ally Financial received the full payoff for the loan on XX/XX/XXXX. I was informed by XXXX XXXX and Ally to contact XXXX  ( seller ) XXXX for the refund on my Auto warranty which is {$2400.00}. XXXX sent me a check then informed me that Ally went into their account in XXXX and took the {$2400.00} even though they were paid in full. XXXX canceled the check and told me I'd have to contact Ally, I contacted them on several occasions stating on XX/XX/XXXX and asked why the money had be taken when the car was paid off in full? They informed me they would escalate the refund, I called them every other day trying to contact someone to get an update on the refund and NO ONE knew where it was they supposedly escalated it every time. I tried making a complaint today and they said the department wont take complaints on the phone. I emailed Ally demanding my refund that is well over due and they are sitting on that money. I need to replace the car that was totaled after three weeks because it was Tboned. I realize there's a pandemic however business needs to flow and I need my refund asap. No supervisors are taking calls and since they haven't sent the money back after two months I know they aren't in a hurry to give me my money back. Please help me get my money back and also make it easier for some one like me to get transparent answers as to why I haven't received my money and where they are at in the process to refund it. There is no system in place to get any solid answers other than it's going to be escalated. If there aren't already laws there should be laws requiring them to pay within 30 days the automobile was paid off. Instead they hold the money for 60 days or over and I need it to buy another car so I can start my process in going back to work. Our county has opened up and I'm losing money sitting here. I appreciate your help!

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 2019-05-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a checking account with HSBC and deposited {$1500.00} on XX/XX/2018. I was taking part in a promotion that gave a bonus of {$200.00} if I kept a balance of at least {$1500.00} for 90 days. The bonus was to be deposited into my account 4-8 weeks after the 90 days. 

It has been more than 8 weeks, and I was told today via phone and chat that it would be another 4 weeks due to a technical glitch. This is not acceptable to me, but I was told nothing could be done about it. I would like the bonus to be deposited to my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: PA
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: Problem getting your free annual credit report

Complaint:
I called to get a copy of my free annual credit report from the three nationwide consumer credit reporting companies using the number XXXX. I only received a copy from XXXX. XXXX and Experian fail to send me a copy of my consumer report. Pursuant to 15 USC 1681g ( a ) I XXXX XXXX the consumer in this matter is entitled to a copy of my consumer report from all three nationwide consumer credit reporting companies.

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 2020-07-07
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This started when I made my last vehicle payment. Ally bank took two payments out of my checking account. When I called Ally regarding this, I was told that one of the two payments could not be cancelled, and that a manager was not available to speak with. I was also told that I would have to cancel the payments through my bank. I did cancel the [ payments with my bank and since the end of XXXX have not been able to make the payment. I have called Ally numerous times regarding this yo no avail. Now they're telling me my account is delinquent, incurring fees, after I've already incurred cancelation fees with my bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: GA
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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/XXXX. A copy of the original letter accompanies this correspondence. as of today XX/XX/XXXX XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient student loan said I took out a loan in XXXX. I am XXXX yrs old and never had a student loan in XXXX. I did have a loan with the United States XXXX XXXX XXXX. This school was in XXXX Colorado back in XXXX. I got this loan paper from Navient that said I took a student loan out in XXXX, but I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: LEXISNEXIS
State: VA
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:
Today, I received a letter from Lexis Nexis, which has a corresponding consumer number & case number. I called the customer service number identified, as the letter stated to inquire about the letter. However, to no avail was the associate able to assist because she was unclear and appeared as if she couldn't do anything. When dealing with personal information etc. it is extremely important to have associates capable of handling specific issues. The letter you sent to me appears vague, doesn't make sense, and clearly was unexplainable by the associate named " XXXX '' in the call center, who was unable provide a reference number or ID number to identify " her '' regarding my call, which is absurd. I requested a supervisor, she stated that they can call me, I requested email communication, Per my request to ascertain accountability, i want email communication. She then stated that someone could email me.

Again, I mailed a letter to LexisNexis located in XXXX Georgia, inquiring about some type of soft inquiry identified on my XXXX Report. I have yet to receive a response from Lexis Nexis, except what I assume this letter is. The leter I received, states that LexisNexis is unable to determine exactly what I was disputingm My request was Clear, concise & to the point and provided with Source based info, proof..

I specifically, want my actions answered and a written response. I did not authorize LexisNexis or any other entity to perform this activity on my XXXX Profile. IF further info is requested later by Lexis Nexis, I can comply as it will mirrior my initial request. Please contact me by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: WELLS FARGO & COMPANY
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:
I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted Wells Fargo by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.

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 2018-02-15
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a US Bank Cash+ card on XX/XX/XXXX with the following sign up perks Get {$100.00} bonus after spending {$500.00} within 3 months Get {$25.00} bonus when redeeming your first {$100.00} in a single redemption Get an extra .5 % bonus on all earnings for your first cardmember year All I am receiving is the extra .5 %, missing {$120.00} the fine print was : Existing and previous Cash+ Card accounts do not qualify for this offer This is an online offer only I applied online and never had any business with US bank prior. I made the {$500.00} in spending in the allotted time. I called them because I didn't see the bonus on my account, and they said that there was never a bonus applied to my account. 
They had changed their bonus in XX/XX/XXXX so I couldn't point to their website to confirm it was what it said it was. 

They asked me to fax in any documents I had which I tried to explain that their sign up bonus was well documented among many reputable websites. They claimed they can not open a link. I asked them do they really want me to print out a website and fax it to them. They said they need a physical copy. 

One of the reputable sites that clearly document their promotion 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 monetary relief