BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: AK
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: Didn't receive services that were advertised

Complaint:
XXXX XXXX XXXX XXXX. 
I applied for a XXXX XXXX XXXX to see what my interest and credit limit would be. 
Once XXXX  got the application they set me up for a account with a credit card when I had called them and told them I was only checking what the interest and limits would be. 
I never received a credit card and never activated a credit card with this company, but yet they show on all 3 credit reports that I closed a credit Card account with them, This hurts my credit reports a lot. 
I called them and told them I did NOT want to use there services or credit card and never Opened a account with XXXX XXXX XXXX XXXXXXXX 's. 
Please remove the closed account from all three credit reporting agencies.

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: EQUIFAX, 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: Public record information inaccurate

Complaint:
well on the XXXX XXXX XXXX  and the XXXX XXXX buy back card I am no longer an authorized user I was removed from those accounts but on my credit report its still showing I owe a balance when Im not an authorize user, also XXXX  XXXX XXXX  is still showing open when this account was paid in full and closed but the account is still showing open when it should be closed 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX acct # 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.

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: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the attached debt collection letter from Transworld Systems Inc at my tenant 's address. The debt is allegedly for a XXXX XXXX from 2012. I did not have a XXXX XXXX in 2012 and the address has been rented to tenant 's for over 10 years. I am unsure as to how this happened but my concern is fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: GA
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:
My Equifax credit file has an inaccurate date of birth and I have been trying to resolve this problem with them but to no. The date of birth reporting on my credit report is XXXX XXXX XXXX which is inaccurate. The correct date of birth is XXXX XXXX XXXX. I sent copy of my passport which contains correct date of birth and now I attached the same copy with complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Good evening, CFPB. 

I am writing to you regarding my " temporarily disabled '' Coinbase account. 

After hours of reading online, I could n't seem to find an answer that could resolve my issue.

My coinbase account registered on e-mail XXXX has been temporarily disabled with funding in it. 

It is a known issue that Coinbase Support do n't handle the customer support cases that are submitted to them, and some people have been waiting for months. The highest one I 've found have waited for 135 days. 

With my account temporarily disabled, I am unable to retrieve my money from my account, and I am unable to manage the virtual currency that I have on my account.

I would like a detailed explanation of why my account is temporarily disabled, and how to get it back. 

Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Called Discover Student Loans XXXX/XXXX/XXXX to cancel automatic payments, because I could not cancel automatic payments nor change the payment withdrawal date using their online system. Was assured by the customer service rep that the automatic payments had been stopped. 

Was charged a payment on XXXX/XXXX/XXXX, called Discover Student Loans that same morning. They said they had " no record '' of my call, " no notes. '' I assured them I had the call history in my own phone. They assured me that my automatic payments had now been canceled. This payment coming out of my bank account was unexpected, and it caused my bank account to overdraft. On top of the negative balance, I am now responsible to my bank for an overdraft fee. 

Also asked about my forbearance options and representative said she would have to transfer me to another department, which I did not have time for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX Pentagon Federal Credit Union ( PenFed ) reported my mortgage account as delinquent when it was in forbearance. On XX/XX/XXXX PenFed mailed me a letter stating that they submitted corrections to the credit bureaus. Well this does NOT include XXXX because as of XX/XX/XXXX my XXXX credit report is still shown as delinquent by PenFed. I filed a complaint about this with CFPB in XX/XX/XXXX ( Complaint ID XXXX ) and the response from PenFed was that I needed to wait at least 30 days to see an update with the credit bureaus. I called XXXX on XX/XX/XXXX and was on the phone with them more than 30 minutes discussing this because they had NOT received any corrective information from PenFed. The only paperwork they received was the letter I submitted to them from Penfed dated XX/XX/XXXX. When XXXX contacted PenFed to verify the inaccurate information reported to them, PenFed told them that the INACCURATE information was CORRECT! In fact, on XX/XX/XXXX PenFed AGAIN reported my account as delinquent to XXXX. I have attached documents which verifies all of this. This misinformation has caused me to pay more for car insurance because of the negative status on my credit report and score. It has also caused me to be unable to refinance my mortgage due to the negative status on my credit report and score. This will be my last attempt to rectify this civilly as my next step will be filing a lawsuit.

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 2019-04-17
Company: SYNCHRONY FINANCIAL
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:
There have been 3 credit reports run against my credit without my consent or knowledge all by the same company SYNCHRONY. The credit reports were pulled twice on XX/XX/XXXX and once on XX/XX/XXXX. 
I have not had any reason to run my credit in the past 8 months, and have not applied for any credit cards, mortgages or car loans in this time either. I keep my credit report frozen to deter identity theft. XXXX has been less than helpful in sorting the matter out, and I want to make sure they or someone else is not actively attempting to take out loans in my name.

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 2021-11-05
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I started a " XXXX, XXXX '' account online. It was meant to improve my credit. While I was on automatic payment and received a weekly paycheck everything was fine. I had in fact forgotten about the account. They never sent statements and their emails would go to my junk mail. 

On or about the XXXX day of XXXX I applied for a mortgage and my XXXX XXXX was around the XXXX range. XXXX then reported the payment for XXXX late and it resulted in a XXXX point decrease in my XXXX XXXX. I requested that as a courtesy they remove the late payment as the first time I saw the late was when it was reported. 

XXXX indicated that they do not send paper statements they only communicate by way of an email. Because I was dealing with my father 's death, I did not even get the emails or remember to look for them. They refuse to reverse the late payment and I am devastated as now I can not move my family into a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed three of my credit cards. I have NEVER been late paying any of these cards and when I used them nor my other debts including my mortgage. They sent me a letter stating that I was " indicative high risk or failure to pay ''. When I tried to call asking them how they determined if I was high risk or failure to pay, I get routed to some call center in XXXX and the person could not give me any explanation AT ALL. As a result of XXXX credit cards being closed, my credit score tanked tremendously and I can not refinance my home. I read the disclosures and NO WHERE does it state if you maintain high credit card balances, your accounts will be subject to closed. Had I known this, I would have NEVER opened any accounts with this bank. I am screwed because my credit score went from XXXX to XXXX as a result of this bank closing XXXX accounts. I have read several consumers complaining of the same thing. What I noticed is many of them such as myself are in the process of refinancing and then they start closing accounts. Times are hard but I pay my debts and there are NO late payment or missed payments on my credit report. This needs to be looked at because people are suffering due to Synchrony Bank and their deceptive loan practices

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 2020-05-05
Company: Experian Information Solutions Inc.
State: GA
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:
Due to COVID-19 I have been in a monetary trench. I have been doing what I can to improve my credit with the goal that I can approach more assets. I am having extraordinary trouble reaching Experian and attempting to address certain data on my credit report. Experian has extremely poor correspondence, I didn't receive any updates, nor are they approving the data I am contesting. Because of the disregard of the credit agencies I have not been able to push ahead to calm a portion of the budgetary weight I've suffered during the recent months. I mailed correspondence on XX/XX/2020 and XX/XX/2020. I sent the letters that are attached and gotten no response. I would like to have these matters investigated and 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 2021-09-11
Company: Marlette Funding, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX, I went online to apply for a small loan. I started putting in my information, name, address, where I banked etc. Then I got to a part where they asked me for my Banking username and password. I decided nope, not doing it so I left the website. They immediately called me and I explained to them that I wasn't comfortable giving that info and I had changed my mind about a loan. They continued calling until I had to block them. Meanwhile i was also receiving e-mails from them stating that I needed to mail them more information to complete the loan. I continued to ignore them. Today XXXX XXXX, XXXX I received a text message from them that said, Welcome to Best Egg! Your account # is XXXX Your first automatic payment is scheduled on XX/XX/XXXX for {$68.00}. View your account details at XXXX. I called them 3 times. The first lady hung up on me, the second lady said it was my fault because I gave them my bank info to just pay it back! I did not consent. XXXX  over it!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reported discrepancies to several accounts on my credit reports with each reporting agency Experian, XXXX and XXXX and they continue to report inaccurate information. This inaccuracies are hurting my credit score.

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 2020-06-26
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit acceptance corp has reopen a closed account which they have a judgement for and a garnishment I have the spirit is a cat with XXXX  as a closed account which the creditor has reply it is a open account which is false this has seriously done damage to my credit score for this inaccurate information and they refused to correct this information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them 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 2019-04-17
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: Account information incorrect

Complaint:
This agency- an alleged computer protection agency - will send me a email stating- this looks like a previous complaint. NOW get this- if this agency ever did anything to act and correct the problem there would be no need for another complaint but this is the season we are in. HELLO! Yes my score went down again on incorrect and dated information and their posting of 4 inquiries from one car dealer, which the state of Florida allows you to do to SHOP- otherwise how can you? Yes they send you an alert and the alert says - get this - DUH - CURRENT XX/XX/2018 HUM what month are we in? XXXX HUM OH sorry! to the date a negative happens its RIGHT IN THE REPORT- immediately but they are current on old balances and information without recourse! Now do you who may read this actually think they care? And they that work for them- '' I'm only doing my job. '' Now they will ask me what I would like as a resolution HA, HA, HA, HA, HA, HA SORRY. Just opinion by experience. After all they only report what the lenders give them - two months late. OH Well XXXX it up!

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 2020-05-05
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX at XXXX, I sold a XXXX XXXX XXXX. He sent me a payment of {$1100.00} via the app CashApp. The transfer showed successful. After I walked back into my home and opened my phone to transfer the funds to my bank account, CashApp decided to cancel the transaction. Leaving the buyer with my money and laptop, which he happily decided to keep and run away with. I've confirmed with Cashapp that they're the ones who cancelled it. Their reason was to protect me, which they did the exact opposite of. I reached out to them and they recommend me solving this issue " outside of Cashapp ''. I filed a police report and am still fighting with cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a XXXX XXXX XXXX financed with Santander since XX/XX/2015 ... they reflect I have multiple late payments which I highly disagree ... the finance amount was $ XXXX  for 72 months ... ..I called and acquired information that I have paid over {$3000.00} since acquiring vehicle. HOWEVER on my credit report it reflects $ XXXX and 83 months ... ..HOW ... ..the representative I spoke gave me manager name and extension and I have left over 20 messages for resolution and get no return call ... ... I FEEL CORNERED AND A VICTIM OF A PREDATORY LOAN!!!!

INFORMATION IS TOTALLY INCORRECT ON MY REPORTS / CREDIT BUREAUS ...

VIOLATION OF FCRA 609 AND EACH I CHALLENGE WITH THE MULTIPLE BUREAUS THEY CEASE TO PROCEED THEYVE DONE SUCH ... 

LENDER SENDS RANDOMLY STATEMENTS THAT FLUCTUATE WITH NO SENSE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Paypal Holdings, Inc
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX, paypal case number : XXXX I am respectfully requesting that the hold on my funds/account be lifted. i contacted paypal, speak to a supervisor, she made it seem promising i would receive my funds being held, she said i would receive an email with an answer 7-10 Business days, i have yet to receive the email. I am not necessarily requesting that my account be re-opened or allowed to continue to use the PayPal service, as I have already taken my business to your largest competitor and I am no longer in need of PayPals services. 

I have previously requested a review/appeal of my case over the phone, which was denied. Although I still disagree with the decision to deny my appeal I will abide by it however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPals Acceptable Use Policy is excessive, and perhaps a punitive abuse of power, I will be filing complaints with the following agencies on Friday XXXX, XX/XX/2019 if I am not satisfied with PayPals response to this request to release my funds : The United States Federal Reserve XXXX : XXXX? XXXX ( I understand that PayPal does not operate as a bank which is precisely why they may be interested in such complaints ) The XXXX XXXX XXXX : XXXX : XXXX The Florida Office of the Attorney General XXXX XXXX XXXXcontact Consumer Finance Protection Bureau https : //www.consumerfinance.gov/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A payment was sent on XX/XX/XXXX for the amount of {$75.00}. The payment was sent with my bank online bill pay. The proof of payment stated that the credit card company received the payment on XX/XX/XXXX. I contacted the company on XX/XX/XXXX via email with an attached proof of payment. I did not get any response. I also began calling the company on XX/XX/XXXX. Their response was only that the do not show any payment recieved. I sent another email on XX/XX/XXXX with an attached proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation