BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my seven endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE 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:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX XXXX XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, PRA will have all the major credit bureaus removed those negative items or accounts or tradelines from my credit report. Please see the confirmation under PlanID # XXXX for the payment that was made. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Bread Financial Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled and paid this debt on XX/XX/XXXX in the amount of {$230.00} to XXXX XXXX. It reappeared back on my credit report dropping my credit score, as well as XXXX  XXXX sending or selling account to XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$160.00}. This account is also showing an inaccurate amount for the credit limit that was given to me the Credit Report. I informed the credit bureau, the creditor and the collection agency of this and have asked them to remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My loan refinance started XX/XX/21 and the company still has not closed XXXX. I have made several calls, emails, and even stepped in to try to expedite the process due to lack of consistent commitments, not correctly notating information I have provided multiple times. I have been handed off to multiple individuals during this process. No my rate is going to expire and they want to charge me additional fee due to their lack of correcting errors that are not done on my part. I believe they just trying to extort more money from me by stalling on the closing process. I have asked how much these fees will be multiple times and never given an actual answer. I have asked to have my reps supervisor call me and never given a person and a fellow associate calls me after I was told she was a supervisor by the rep for the company prior. She could not help me just reverted back to the standard I am sorry for your inconvenience card and stated she called me to verify information I had provided in an email prior. I have attempted to call and been put on hold for 47 minutes plus. I have emails and screen shots to back up my statements. 

Respectfully,

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 2020-10-27
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
# XXXX XXXX complaint submitted two months ago to XXXX and American Express XXXX does not provide address of customer service in XXXX and refused info after many requests. 
I submitted telephone numbers to cfpb if not sufficient, forget XXXX and send this message to American Express to resolve issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-26
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Navient has called me at work over five times in total. After the very first call, I made it clear to the representative on the phone this type of communication is prohibited by my employer and they are not to call my work number. I then gave the rep my personal number, verified my address, and gave them the best time to contact me. This first instance was over a year ago. 

In this month alone I have received XXXX more calls from Navient at work. I received a call on XX/XX/19, XX/XX/19 ( the rep hung up when I answered XXXX, and again today on XX/XX/19. On the XX/XX/XXXX call, I reminded the rep that my employer doesn't want me taking these calls and could lead to trouble. I again gave them my number and best times to call. The person on the phone confirmed that they would use my given method of contact to communicate with me in the future. 

During the prohibited office call today, I asked the rep immediately if there were any notes from my XX/XX/XXXX discussion with them. They noted everything that was discussed on XX/XX/XXXX except for me telling them not to call me at work. This is utterly ridiculous. I would've hoped that after explaining to the Navient reps that calling me at work is strictly prohibited that they would stop. This has not been the case. 

I am attaching a signed document that I have faxed to Navient tonight stating that they are only authorized to contact me at the address and number listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
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:
I have sent the credit reporting agencies multiple letters about inquiries reporting on my report without authorization from me, I have tried to contact the company as well with no success. I have uploaded the letters that was returned to me due to vacant property, FTC REPORTS ALL COMPANYS AND CREDIT REPORTING AGENCIES MUST BE IN COMPLIANCE DISPLYING ACCURATE INFORMATION.

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 2020-10-27
Company: Experian Information Solutions Inc.
State: IL
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:
Investigation ignored. Took more than 30 days.

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 2021-04-09
Company: Experian Information Solutions Inc.
State: WI
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 account with XXXX account number beginning in # XXXX with a balance of {$8400.00} is currently showing up on my Experian Credit. I have notified both parties XXXX as wells as EXPERIAN and explain to them that i have no association with this account. When i spoke with Experian i was told that the account is connected to a name and address that i have no association with. 

My Correct name and address is listed below. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX This inaccurate account is hindering me from employment as well as housing so I am requesting that XXXXXXXX XXXX remove this account from my experian credit report being that i have no association with it. I am also requesting that comenity bank send me documentation so that i can forward to my attorney just incase i would have to escalate this serious matter. 

Thanks, 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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
visited TransUnion website on XX/XX/XXXX to put a freeze on my credit checks. Website asked for my personal information including a credit card. I checked the boxes indicating that I wished to freeze my credit checking for both TransUnion and XXXX. Never was there a quoted price for doing this ; however I then received an email stating that I had made a payment for {$19.00} to TransUnion and had signed up to their monthly service. I attempted to call them to resolve this but ending up spending XXXX minutes on hold and never speaking with anyone. Called them again on XX/XX/XXXX and still can not get through. I will be contacting XXXX XXXX and disputing this charge.

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 2019-02-26
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I made an online bank transfer from my Union Bank account to a third party account at XXXX XXXX XXXX XXXX. Amount was for {$3500.00}. I made the transfer on XX/XX/XXXX. As it was a holiday, the bank scheduled the transfer and said the process will take 2 days. 
Money was taken out of my checking account on XX/XX/XXXX. As of XXXX Pacific Time on XX/XX/XXXX. The beneficiary still claims to not have received the funds. 
I made several contacts with my Union Bank and they insist it usually takes 3 business days and to wait. They said the online method I use for transferring the fund was via External Transfer and not a wire transfer. They couldnt even supply any financial tracking reference numbers or records showing the amount has been transferred and to the proper account. They said that if by XX/XX/XXXX the beneficiary hasnt received the fund, I should make a dispute claim which can take 7-10 business days to return the funds. I feel this is taking advantage and unfair on the consumer as they need to be responsible and accountable for handling your 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 2022-08-08
Company: EQUIFAX, INC.
State: IL
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 submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXXXXXX XXXX : {$910.00} XXXX XXXXXXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXXXXXX XXXXXXXX XXXX : {$340.00} XXXX XXXX XXXXXXXX XXXX : {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid NFCU {$6300.00} to settle an account back in XX/XX/XXXX during their unethical debt collections I received a redressed check for another account that was settled back in XX/XX/XXXX for {$5600.00} and I received a redressed for that one, however, I did n't receive a redressed check for the {$6300.00} that settled a credit card debt with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
These accounts on my credit report that Ive found been fraudulently opened without my consent and I want them removed immediately because its negatively impacted me on getting credit cards and other loans.

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 2021-11-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a Target red card member since XXXX. I have never maxed out the card or been late and i always over pay my bill. I have submitted credit limit increases in the past most recently in XXXX. The representative stated that the review would happen around XX/XX/XXXX. I called back XX/XX/XXXX and the rep told me that the increase had taken to place and to wait for the letter in the mail. I called back XX/XX/XXXX and they are stating that it wasnt true and the increase didnt happen Im overly frustrated at this point and fear that this is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my collection balance of {$500.00} was paid in full. I received the confirmation number and was told any future charges would be cancelled and it would come off my credit report on the next billing cycle. It came off my report and I though I was done. On XX/XX/XXXX I was charged {$250.00} ( half of what I owed ). I spoke to XXXX the morning of the XXXX when the charge was posted to my account and he requested I email him the bank statement which I did around XXXX in the morning on the XXXX. He said he was the one who helped me in XX/XX/XXXX and that he knows the account was paid in full and that he had cancelled the payment. He then gave me the number for a woman named XXXX and said she would be taking care of it. I spoke with XXXX on Wednesday who said they would handle it. I spoke with her 3 times on Thursday and she said " they '' were still looking into it. On Friday around XXXX she said I should be getting a call for the refund, which I did not receive. On Monday morning ( today ) I called this morning and spoke with XXXX again who said that they were waiting for my balance to post on their system so they could process the refund. I requested to speak with the manager who's name was XXXX who told me the same thing and requested I reach out before XXXX if I don't hear from anyone. Around XXXX Monday afternoon I called XXXX who told me XXXX was on the phone and he would reach out before XXXX or to call soon before XXXX if I hadn't heard from him. At XXXX I contacted them again and said he was still on the phone but he would call me back as soon as he was off. I did not hear from him. I called their after hours line at XXXX Monday and they said he left already. It has been almost a week since they took the money from my account for a debt that was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
My problem is with Coinbase. They have not given me any information on where my 8,000+ in Bitcoin has gone. I went through their process of self ( no ) help. I got my account back open after having them shut it for fear of a possible scam. There is only a little over XXXX there now. When I look up the section on orders I see activity thats is not mine. Some amounts of transactions are over XXXX. I now think they messed it up when I tried to make a transfer when my bank funds were still on hold. I think they mixed up accounts or something. 
I am sure I dont have to explain how poor this company is in solving these kind of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Effective XXXX, my loan was transferred from XXXX to PHH Mortgage Services. As of XX/XX/XXXX, I received a letter on XX/XX/XXXX dated XX/XX/XXXX/19 from PHH that my loan was transferred and how I could pay. Mail should not take 2 weeks so they must have backdated the letter. 
My complaint is that I have received no actual statement from PHH and payment is due in 3 days. 
I attempted to call customer service ( XXXX ) XXXX multiple times and got a busy signal. 
I will send payment in mail tomorrow even though I have no payment stub. I will not do mortgage business online if offered ; and I expect statements to be mailed in time according to laws and common practices, which historically has been at least 10 days prior to due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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