BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX Accts : XXXX & XXXX Balance : {$2000.00} & {$3500.00} Error : XX/XX/2016 XXXX Late Payment I've contacted DEPT of XXXX multiple times and have XXXX all school transcripts to prove I was in school fulltime from XXXX. I've spoken to multiple people at XXXX and they admitted error and it would be fixed. its been years since I've been fighting this error with XXXX. Account has been paid off and on time.

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 2021-04-28
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: Information belongs to someone else

Complaint:
ON XX/XX/25 I SENT A LETTERS TO MY CREDIT REPORTING BUREAUS INFORMING THEM THAT I SAW MY CREDIT REPORT AND THAT THERE WAS OBSOLETE AND INACCURATE INFORMATION ON MY CREDIT REPORTS THAT WERE HURTING MY ABILITY TO APPLY FOR CREDIT. ITS BEEN 30 DAYS AND MORE AND I HAVE YET TO RECEIVE ANY RESPONSE FROM THEM. I'VE TRIED TO CONTACT THEM BY MAIL AND PHONE AND HAD NOT SUCCESS. BELOW WILL BE THE ACCOUNTS THAT ARE NOT MINE AND I HAVE NOT SEEN AND PROOF TO SHOW THAT THE INFORMATION IS CORRECT. 

XXXX. XXXX XXXX XXXX ACNT # : XXXX {$11000.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX NO BALANCE REPORTED XXXX. XXXX XXXX XXXX XXXX  ACCNR # : XXXX {$15000.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX {$4700.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX {$2000.00} XXXX. XXXX XXXX XXXX XXXX # : XXXX {$11.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My money has been stolen, Amount of {$6200.00} on XX/XX/2021 ( XXXX ) XXXX  from XXXX ( Case # XXXX ) Dear Sir/Madam When i was log in my coinbase account, i saw unauthorized transaction inside my account. I had USD ( XXXX ) in my coinbase account that someone used to buy /converted in XXXX ( XXXX ) WITHOUT MY PERMISSION THEN SENT TO NEW XXXX ADDRESS THAT I DONT RECOGNIZED. 
When i was logging in, i saw that pending transaction IN front of me in my account, i called coinbase number XXXX XXXX XXXX XXXX XXXX more then 5 times, no one answered my call and there is no support so unable to get help to stop this transaction right a way. 

Still calling them, they don't pick up phone, i emailed asking support/manager/supervisor/staff member phone and asked them to call me to address issue over the phone but they neither called me yet. 

I have sent email, They locked my account .received email back.in reply, they advised me to changed password, download security on device and talk with mobile provider for sim security then inform them to unlock my account. I follow all procedure but account has been locked, no access yet. 

Now i need to pay my bills, i need my all funds back as soon as possible. Please help. 
I was using authy  as 2 step account security as well .Its not easy to stole money from my account due to security layer ( Password+2 step authentication ) i don't authorize any transaction that happened on XX/XX/2021 after XXXX XXXX Texas time . 

Hello coinbase admin, Please do not advertise coinbase is secure hub for transaction. 
refund all my money that stolen from your account asap. 
Company needs customer service phone number that we can contact you. 
Waiting my account access back with my all funds as i leave in your financial institution in usd ( Not in XXXX ) Please note that, same time there was another unauthorized transaction happened but funds still available ( someone converted all my XXXX to XXXX, as well, that was not by me ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report

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 2021-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I was checking my recent credit report, and I have noticed that there are multiple inquiries from different banks, that I had no idea about. I did not authorize any of these banks to run my credit and put inquiries on my credit report.

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 2021-02-27
Company: Harris & Harris, Ltd.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do NOT have any debt other than my monthly bills. My credit score is over XXXX. These people at XXXX XXXX and XXXX have been calling me and leaving a recorded message almost everyday for 2 months now. I can not get them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: TX
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:
I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

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: HW Holding, Inc
State: NY
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 have sent out validation letter asking them to validate al the information I asked for in my letter.They sent back a copy of a computer generated printout, that does not in no way abide in accordance with the fdpca. 

They will not properly validate the debt..

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: LA
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 a victim of identity theft. I reviewed my credit report last year around XXXX and I seen approx. 5 accounts that I did not authorize. I would like to get this matter resolved promptly.

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: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a chapter XXXX Bankruptcy and after 6 mos I notice that non of the bills were being paid so I closed out the Bankruptcy and reached out to each creditor. I had 2 cc with Capital One when I contacted them to workout payment arrangement that I was informed that one of my cc was sent to Portifolio which I do not have an account with. I paid the one that Capital One had. I do not understand how you can send someone to collection while they are in an active Bankruptcy. Please advise a fix to this problem as I am trying to pay the CC as I have paid the other. It should be against the law to send someone to Collection. And it was verified that the account was sent while I was in the middle of the BK

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal information was leaked in the XXXX and XXXX XXXX data breach and my personal information has fallen into the wrong hands. I would like for the fraudulent open XXXX Bank account and fraudulent hard inquiry to be removed from my XXXX, XXXX and Experian credit report 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 2020-06-02
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
have been effected by COVID-19 due to lost of employment. I informed Schrony bank ( Pep-Boy ) of this information and still continued to make payment on account. My account closed when payments were being made. It is my understanding that creditors should not do anything negative to consumers credit during this pandemic for those who were affected. You used information reported during a Pandemic and not based on my paying history. Your closing my account with a remaining balance has cause a negative impact on my credit report. According to Schrony Bank, Information was given by XXXX XXXX that acccounts were reported negatively in XX/XX/2020. All negative items were disputed and corrected by other creditor and XXXX XXXX continue to report negative information against the Care Act Bill. after I provided information from the creditor showing negative information was being removed from credit report. This information was provided to to XXXX through previous CFPB complaint filed.

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 2021-05-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help with getting it back up and going I am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used payPal quite frequently My email linked to my payPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
Capitol One XXXX opened XXXX XXXX late payments from XXXX Want to have them removed please. It has been 5yrs, payment history is exceptional now. 

Capitol One Quicksilver-opened XXXX XXXX late payments, it has been 5yrs, would like removed.payment history is exceptional now. 

XXXX XXXX-Opened XXXX XXXX late payments. payment history is exceptional now. 

XXXX XXXX XXXX XXXX-Paid in full, still shows on Report, need removed. 
I dont have amounts..to long ago XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient 's website is laggy and out of date. Information is difficult to access and identify to efficiently manage my account. 

They should have an easily accessible account summary page that allows to get all frequently needed information for each loan without having to click and load a new page. The load time is lagging and the site occasionally crashes. A financial servicer like Navient must have a good reliable website that doesn't make frustrate repaying. They should look to emulate XXXX XXXX account website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report through XXXX XXXX and noticed a Derogatory mark on XXXX. Also my credit scores dropped XXXX points. 

The collection agency is I C System ( {$160.00} balance ) and Original creditor is XXXX XXXX XXXX ( Opened XXXX XXXX, 2017 ) I have never opened any account with any of the companies owned by XXXX XXXX, such as XXXX XXXX or XXXX. 

This is obviously a case of identity theft or gross negligence on the part of I C Systems, who have erroneously misidentified me as the holder of this debt.

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 2022-01-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Total accounts : {$290.00} and {$290.00}. 
I asked them to provide me with information explaining what legal obligation I owe them, and for what services did they provide. I am not liable for this debt for XXXX XXXX XXXX and I do not have a contract with I.C systems. 
I demand that this collection be deleted and removed from my credit report. 

IC System reported a collection acoount for a total of {$290.00} and {$290.00} on behalf of XXXX XXXX XXXX. I have no knowledge of this debt and would love to have it removed from my credit profiles.

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 2021-05-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello Sir/Maam, Im writing to you today as I have been a victim of XXXX XXXX by using Chase mobile application. There was a system hack, and someone I do not know, took out {$2400.00} from my XXXX XXXX Account. The XXXX name is XXXX XXXX XXXX XXXX, and the XXXX account number is XXXX. The persons name is XXXX XXXX XXXX XXXX, who I do not know. This unfortunate event took place on XX/XX/XXXX. I had already filed a claim number XXXX on XX/XX/XXXX with chase, and they gave me a temporary credit on XX/XX/XXXX. The credit was reversed on XX/XX/XXXX. 

I have been a customer with JP Morgan Chase for the past 3 years. Most of the bosses at my job have had chase which gave me enough faith and confidence to bank with you. I opened my first business XXXX XXXX XXXX XXXX with Chase. Im in the market to buy a house, and Im in the process of starting a mortgage loan with Chase. 

I have made several calls to Chase claims number XXXX, and they have all said that they can not reassert the credit. Im hoping that somebody on your executive team can help me with this predicament. I work very hard for my money, spending endless days and nights, and I do not want it to go to waste. Please help me. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2020 at XXXX, I received a call from the lender 's collection dept at BB & T regarding my vehicle loan # XXXX. This is my final payment and was due on XX/XX/2020. The lender told me they had a right to turn my loan over to collection after the 3rd day from payment due date. I have been paying on this loan for 4 years, and this was the first time I have been told this. My promissory note states the loan will be in default after the 15th day from payment due date. As mentioned, this payment was my final payment on the loan. Feeling threatened, I allowed them to accept my final payment in the amount of {$100.00} over the phone. I usually make my monthly payment by online banking thru my financial institution.

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: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Every time I encountered some type of time with hardship. I would never get approved for a payment plan. Because of this, the company would stack on more and more late fees while knowing I was going through a hardship. The company was not fair and understanding of my situation to help. My main concern was always tp try and pay and not to have negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
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: Information is missing that should be on the report

Complaint:
I disputed this account with Equifax. I have no idea what this is on my report nor is it showing and original creditor or collection agency to validate the debt with. 
Per FCRA rights this information must be reported in order to validate the Debt. 
With that being said this is misleading false reporting and it should be deleted immediately. 

The account number in question is showing as : XXXX. 

Below i have attached proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
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:
Transunion as well as XXXX  needs to update report as XXXX balance and as a paid and serried charge off as XXXX  has done in their reports which I will send photo of credit reports showing XXXX  reported correctly and transunion and XXXX has not. XXXX XXXX XXXX needs to notified transunion  and XXXX  as a XXXX balance and a paid and settled charge off

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: FRANKLIN AMERICAN MORTGAGE CO.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Every month I make payment beyond the minimum payment due for my mortgage. Every month Franklin American Mortgage Company credits extra payment as pre-payment for the next month rather than as extra principal on my account. I have called customer service and I have written customer service and I have been assured that the logic model for making payments to them has been changed, but each month I am treated the same. This approach benefits them as they charge more interest. This is a disservice to their customers and is, frankly, dishonest. Franklin American Mortgage Company could fix this, if they only were motivated to do so.

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 2017-08-01
Company: Diversified Adjustment Service, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a bill over 2 years ago from XXXX regarding a phone bill for service that was transferred to another carrier following my leaving employment with the company. I escalated the issue to a vp regarding the charges, they agreed that they were invalid and agreed to resolve. A family member contacted me today saying they had received an email from this company with a confidential matter. Why was it sent to a family member and not me? They exposed my mailing address and did not verify the account when I called in regarding this breach.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
My Coinbase account was blocked. On XX/XX/XXXX. I received an email from Coinbase that the block had been removed from my account. It never was. On XX/XX/XXXX I was told again by email my identity could not be verified and they wanted a copy of my drivers license, that they already had along with my Passport. I sent no less than 3 copies of my Drivers License it was accepted by the computer and said it was satisfactory. On XX/XX/XXXX I tried to sign into my account, it is still blocked. I sent the required documentation, my Passport, it was accepted yet my account is still blocked. On the same day I filed a customer service request to restore my account I have not received a reply. I tried to call but they do not have a customer service for anything except for accounts that have been compromised. I have been trying to have my account unblocked since XX/XX/XXXX. Two years and four months. This is my case number I received on XX/XX/XXXX Case # XXXX - Account blocked

Company response to consumer: Closed with explanation