BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: NC
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 certified letters to each bureau requesting the debt be verified and to no avail. Here are the items on my report : XXXX XXXX XXXX # XXXX, XXXX  XXXX  & XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX. Also 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 2021-03-26
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been subjected to harassment, unwarranted and unsubstantiated incorrect credit reporting, which has resulted in Credit damage. I have all of the documentation of the bank admitting fault, as well as you and recorded a phone conversation stating my account is in good standing on XX/XX/XXXX. The phone call to them, was in response to their non-action on fixing the original issue, they acknowledged. 
I have records of all my payments. I filed a report with you, you intervened, opened a case and got a statement from the bank admitting they were at fault. I had unapplied funds, that were not intentionally unapplied on my part, that disappeared after CFPB engagement. The case was closed. I contacted you again to reopen the case, as the problem was not taken care of. I did not get response. This has been ongoing for about a year now. 
This case was reported to you on XX/XX/XXXX ( Case # XXXX XXXX. 
I just received my XX/XX/XXXX statement, which is indicating they have not received a mortgage payment, from me since XX/XX/XXXX, even though XXXX 's statement does not indicate any past due payments. I have all of my receipts for payment, as I make the payments at a local branch. 
I also received a check from XXXX XXXX, for approximately {$2600.00} stating, heres a check to pay your past due payments, even though no one at Suntrust could confirm any past due payments. I have a recorded phone call with a Suntrust Rep, who I spoke with for approximately 25 minutes, trying to get to the bottom of this. My last paper statement, indicates I have a past due amount of {$6700.00}. I wanted to reach out to you one more time, to get this resolved, before I take legal actions against them.

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 2017-09-22
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/XXXXFay Servicing Loss Draft Dept received my package concerning a damage loss at a rental home that I own, XXXX XXXX XXXX XXXX, Fl XXXX This package contained two checks from my insurance company made payable to me and Fay Servicing. I enclosed their completed paperwork, that they requested. I have already paid to repair the home out of my pocket so my tenant would be able to live in the home This happened in XXXX. To date,XX/XX/XXXX, I have not received my insurance money back from Fay Servicing. I have not been contacted by their inspector to verify that the work was completed. I have called every day to their customer service dept and have gotten no help from them. This is totally wrong I am the one who suffered the loss, I am the one who pays the insurance premiums, and they are holding my money. Please help me get my insurance money sent the me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2018, my ability to buy crytocurrency currency via Coinbase was suddenly blocked, without reason or warning. My guess is that it's from my bank flagging and stopping a duplicate charge made by Coinbase. I reached out that day to Support and they stated that they'd look into it. 

11 days later I reached out for a status update and was told that it was escalated. I never heard from them again. 

I wanted to use the account yesterday to get back into cryptocurrencies and it's still the same issue. I reached out to support and received the same response regarding looking into it. 

I created a new account, hoping that would allow me to buy via Coinbase and the new account is flagged. They must be freezing accounts at the SSN level, as the phone, address, and payment methods are all different between the accounts. 

This is fraudulent activity. It looks like payback for my bank sending the second of duplicate charges back to Coinbase - which SAS right because I didn't I only authorized one transaction. 

From my research, this has happened to quite a few people. It's shady. Please either restore my ability to buy crytocurrency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit cards were closed after 10-years with no explanation. 

Left over 5 messages for the bank and no one ever call me back. 

I never had any type of fraud on my accounts and my accounts were always in good standing and my credit limits were always increased based on my spending.

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 2023-02-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$560.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA 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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I am also a prior victim of identity theft/Fraud. These are the inquires in question that are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-05
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: Information belongs to someone else

Complaint:
Considering recent investigations brough upon Equifax, I find that my consumer file is being irresponsibly tampered with. Congress made it clear that you the consumer reporting agency assumed this role to operate in fairness, impartiality, and respect my rights to privacy as a consumer pursuant 15 USC 1681a ( 3 ). Equifax was unfair, partial, and failed to respect my rights to privacy as the consumer pursuant 15 USC 1681a ( 4 ). I never instructed Equifax or any other Credit reporting agency to furnish my report or to even create an account on my behalf pursuant 15 USC 1681b ( 2 ). Again, you never had permissible purpose and I never consented to this report in the first place and the fact Equifax didn't exercise their grave responsibility

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$65.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}

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 2022-04-11
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I went to XXXX XXXX XXXX in XXXX TX to do a preventive service ordered by my primary doctor. A mammogram was perfomed and XXXX sent me the bill. I sent several emails to their company with proof of payment from my insurance company XXXX XXXX XXXX. We spoke in three way call with insurance and people from hospital and said everything was covered. 

Now I am receiving calls and bills from medicredit a about telling me I still owe this money, even when I sent emails to XXXX and XXXX I contacted XXXX accounts directly, I have spoken with XXXX different persons and they said they have no proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Netspend Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XX/XX/XXXX I was suppose to receive the card and Ive called and called to get a tracking number and havent received a tracking number and I even expedited the card and still nothing. They continually ask for my social but no tracking number

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 2020-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Capital One credit card was frozen. My payment was due XXXX XXXX, 2020. I made a payment today, XXXX XXXX. The lateness of my payment is my fault. However, when I called the automated service to make that payment, the automated voice said nothing about my account having been suspended. In fact, the automated voice told me I had {$6400.00} available for purchases. Okay, I thought. I made my payment. It was confirmed, and I hung up. However, when I later tried to make a purchase that same day, the card was declined. I called the company 's automated service again. I got the same info : account balance, amount available for purchases. Nothing about a suspension. 

A customer service rep subsequently told me the account had been frozen because the account was three days late, and that it wouldn't be unfrozen until XXXX XXXX. eastern time the next day when the payment I had made with an automated check from my local bank checking account posted. When I asked why the automated service says I had {$6400.00} available for purchases when in fact I did not, the rep had no explanation. 

Capital One needs to upgrade their automated service. Getting declined by a vendor is embarrassing, especially when the credit card company 's automated service says I have credit available for purchases and says nothing about the account being frozen. How am I supposed to know? The automated service is lying to its customers and misleading them, in my case, into thinking it's okay to use the card. This is deception. Furthermore, when you make an automated payment, it's not instant. It won't post until midnight, and then it's another eight hours until the account is updated and the freeze is lifted. This long time delay is unacceptable. No matter how hard I tried, Capital One kept giving me the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Their are incorrect accounts reporting on my credit reports XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I bank with Wells Fargo and I did a Wells Fargo XXXX transfer on XX/XX/2018. The person I sent the funds to was suppose to do a job for me and never completed it. I asked Wells Fargo to do a claim for the money back. However, they tell me with the terms and conditions they I signed off on it states they are only responsible for the transfer. I would have to press criminal charges against the person to get my money back. Now when I question the presidents office : I asked : You were aware that you were putting your consumers in danger by possibly aiding a theft? He told me he was aware that they were putting there consumers in danger. I still dont have my XXXX back, I feel they are making up excuses as usual. I spoke to XXXX as well and they told me multiple times the bank is responsible for me getting my money back but as usual Wells Fargo takes no responsibility

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 2023-08-11
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that an account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  Account 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 instruction

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 2023-02-28
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: Information belongs to someone else

Complaint:
The following accounts are reporting on my credit and are incorrect and inaccurate XXXXXXXX XXXX XXXX XXXX, XXXX {$2700.00} XXXX XXXX XXXX, XXXX {$100.00} XXXX  XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXXXXXX. XXXX, XXXX {$10000.00} XXXX XXXX XXXXXX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$6000.00}

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists.

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 2021-08-12
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Discover Student Loans are engaging in harassment. They call me between 4 and ten times per day and leave harassing voicemails daily. I can't have my phone on me at work anymore because Discover is calling me so many times back-to-back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: TN
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:
This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on Experian Credit Report XXXX. I am disputing the accuracy and legitimacy of these account charges. When they initially surfaced, I contacted XXXX and advised them that both me and my wife were identity theft victims and that we had not made these charges. Subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my wife had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I met with similar results with our XXXX XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX XXXX has repeatedly stated they are under no obligation to conduct any subsequent investigation. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX, XXXX XXXX XXXX XXXX and Experian have failed to do either. I demand to be provided the results and a copy of the actual investigation conducted on each of these matters, contemporaneous to the event and 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 2023-05-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
As of XX/XX/2023 a settlement was agreed on this case and the case was settled for {$1500.00}. Therefore the {$5500.00} shall be remove from my credit report since an settlement has been agreed upon.

Company response to consumer: Closed with explanation