BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have spoken with Equifax about this issue several times however ; they have given me the run-arounds when it comes to deleting them as promised from the fraud representative. I sent information in on XX/XX/XXXX and NEVER received a response back and was recently told that I need to send in a police report or FTC report listing all of the inquiries that did not belong to me. These were all due to the XXXX  Equifax Data Breach. All of these inquiries were deleted from XXXX  and XXXX  without hesitation ; however Equifax is neglecting to do the same. I have attached the police report which list all of the inquiries that should be deleted as promised from the Fraud Rep on Monday. The fraud rep on Monday XXXX re-disputed all inquiries and said that when the police report comes in ; the inquiries will be deleted. The confirmation # for that dispute is XXXX. 

I have also attached the removals from XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE

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 2019-06-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I selected an on-line option to have the balance of my XXXX Comenity credit card account automatically paid off each month on XX/XX/XXXX. I had a balance of {$280.00} due XX/XX/XXXX. When I received my XXXX statement it showed no payment had been applied, began accruing finance charges on the outstanding balance and charged by a {$28.00} late fee. I made an inquiry of Comenity Bank as to why they did not automatically deduct the payment of my balance on XX/XX/XXXX as selected. Their original response was that the on-line selection I made on XX/XX/XXXX took 11 days to process and so it wasn't reflected in time. I then inquired as to why it would take 11 days to process an on-line automatic payment selection and where was that disclosed to me as a consumer, as I assumed it would have been processed in time to post a XX/XX/XXXX payment. Then I received a response that did not address my inquiry, but rather told me I selected a {$0.00} recurring monthly payment and that is why a payment wasn't processed. I provided them a screen shot that reflects the selection was the balance of my account. I attempted to speak to a representative, but their system does not allow this to occur. It is fully automated. I closed my account as I would not do business with an establishment that intentionally attempts to defraud consumers. In closing an account with them it should be noted that that only way to receive a confirmation is through fax. I have to believe this is not legal as how many people own a fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: WLCC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
HI, This company has sent several wage garnishment threats to my employer. 
Which my employer said, We need the court order. 
We can't process with out a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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:
I have disputed a charge on my VISA card with the USAA FSB from the XXXX XXXX XXXX which forced me to book a different flight than the one I originally purchased. 
On XX/XX/XXXX I received a voice message from the USAA stating that according to the Airline the ticket was used ... the services were rendered ... there were no cancellations involved. In the voice message USAA representative XXXX informed me essentially that they have to go off of the information provided by the Airline. 
I disagree. I was not allowed by the XXXX XXXX XXXX to use my ticket for the original flight and was forced to pay extra to book a later flight. At that time I was informed by the XXXX that my ticket was cancelled. I provided to the USAA FSB copies of my boarding passes for the original flight. 
Neither the XXXX XXXX XXXX nor USAA is treating me fairly, The supporting documentation I provided to the USAA confirms the cancellation of my ticket.

The USAA is failing repeatedly to conscientiously review the information I provided to support my dispute.

Apparently, the USAA feels they have to go off of the information provided by the airline. There is, however, no evidence that I was able to use my original ticket and boarding passes and to fly on the original flight. There is evidence ( receipts ) that I had to pay the XXXX additional {$110.00} to book a later flight. 
USAA continues to fail to provide a reasonable resolution of my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, and Chapter XXXX Bankruptcy Discharged 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 2018-11-13
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
acct number XXXX was opened illegally by my father who commited id theft and i had him arrested years ago amex wont let me apply they blacklisted me bc of a fraud acct i never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: GOLDMAN SACHS BANK USA
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have an Apple Mastercard. The Apple Card had a wallet app. Since the XXXX of XXXX I have been unable to see any individual charges on my credit card but the balance on my card is not impacted. I have contacted XXXX multiple times ( XX/XX/2015, XXXX ) and nothing has been done. I am unable to see a breakdown of my balance or individual purchases in the XXXX app and on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
verybad experience i received my target redcard credit card everytime i want to place an online order it wont go through i will get an email cancelling my orders immediately saying technical issue when i call no one knows why their system keeps flagging my orders but if i use a different card it doesnt get canceled and ships

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I guess someone got hold of my information and opened up an account with this company by the name of XXXX XXXX, which I knows nothing about. Because I never opened that account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Disputed account XXXX XXXX - XXXX not mine disputed multiple times XX/XX/XXXX and XX/XX/XXXX sent copy of police report and identify theft report # XXXX this is a collection agency I never gave hippa authority and this is not mine. Would like for XXXX  trans union and XXXX  to remove this promptly. Also XXXX XXXX  is reporting inaccurate info this account is closed and never late Still reporting as open

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 2020-08-19
Company: BANK OF THE WEST
State: CA
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:
On XX/XX/2020 I paid {$420.00} to XXXX but never got the designs promised. I placed a dispute on the card. I raised a dispute on this charge as I never received the merchandise which was promised, in fact the merchandise I have received is of no use. I had to hire someone else and pay them {$1100.00} to do the job. I spoke with XXXX of Bank of the west who is taking care of my dispute. On Monday XX/XX/2020 she asked me to provide her with all the documents which I did, and later she promised that if the promised merchandise hasn't been provided by the merchant and if I have hired someone else and paid them {$1100.00} she will provide me a permanent credit. I spoke her today and she said she will take another 50 days to give me a credit, what is this nonsense. 

I have attached all the proof against XXXX, this company has betrayed me and hasn't provided the merchandize and you are still taking side of this company. 

I want the matter to be resolved here otherwise I will go to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was bought by Mr Cooper/ Nationstar Mortgage XXXX in XX/XX/2021. My homeowners insurance was due and not paid by Mr Cooper. I called Mr Cooper and they issued a check but my ins co did not receive it and I was receiving cancelation notices. I called mr Cooper and they cut another check to the ins co and sent overnight. For a total of two debits of XXXX from my escrow account. Since then Mr cooper has not credited back one of the XXXX payments to my escrow account that they deducted resulting in my payment being increased. I've made several phone calls and spoke with both customer service and the escalation department and this has still not been resolved. I escalated to a manager and was told it would take 48 hours for a call back and never received a call back. In addition I've made an additional escrow payment of approx XXXX which has yet to be reflected in my escrow account as well. 

Need both amounts added to my escrow account and monthly payment reset back to my original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: EQUIFAX, INC.
State: PA
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 submitted an FTC report and dispute for the fraudulent collection on my Equifax report. It is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
So I was buying {$260.00} of Ethereum off the site " coinbase.com '' on XX/XX/17 and after doing so, it said my money was pending for 3 days however I can accelerate the process by adding my ID in which I went to do however, their automated system could not read my ID and their system automatically locked me out of my account. I then proceeded to send them an email and call them in which they replied with they have " escalated '' the support ticket however after reading online this seems to be something they say alot and there are people that have been waiting MONTHS for a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had orginally filed a dispute with Experian in early XX/XX/2021 and it still remains unresolved. I have received an update that they are still investigating the matter. How much longer are they allowed to hold back my credit score and complete the investigation? This is absolutely absurd and now they are causing great financial damage as I am attempting to buy a home. I do not want excuse I want a reply.

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 2021-10-16
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Westlake Financial The right to an accurate, timely credit report is the rights consumers have by law. 
The FCRA acknowledges the need for accurate consumer credit information for the banking system to work smoothly. And so, the law gives consumers the right to have inaccurate, incomplete, and outdated information removed from their credit reports. I have disputed many times with the credit bureau XXXX consistently. It has been well over 30 days and the errors being reported have not been corrected. The date of purchase for this particular vehicle in question I have requested due to inaccurate reporting. The payment history starting with the very first payment that was paid. The payment on XX/XX/2018 of payment in full and then another payment being made on the XXXX of XX/XX/2018 and then reporting that following XXXX of only a {$50.00} payment and asking for a payment forgiveness which then was reported delinquent or past due for that month of XXXX. The beginning balance of the loan and the purchase amount are inaccurate. The ending balance that is saying charge off amount and of bad debt is also inaccurate. Due to the many attempts to reach out to Westlake Financial to update the errors of the reporting of my credit report and the effort they have shown to NOT correct there inaccurate reportings by law and by the rights of consumers with investigation and reinvestigation I am requesting with prompt demand that all prior and from here on to date that Westlake Financial STOP, REMOVE and DELETE any and all acts of reporting to all 3 credit bureau 's effective immediately. 
Thank you

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 2020-04-29
Company: SYNCHRONY FINANCIAL
State: GA
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:
XXXX XXXX XXXX called me everyday for months. They would call and ask me for personal information. I did not want to give them my SSN, birthdate or anything else. I offered to verify what they have. I also asked for a written notification. Instead they hung up and called back every day and did the same thing. They also repeatedly called my office phone without permission and any records they bought would have a do not call work on file. They must have looked up my new employer. 

When I finally received a letter, I called to make arrangements on XX/XX/2020. The agent I spoke with offered a settlement of one payment of {$700.00}. I agreed to a payment on XX/XX/2020. This is recorded. The agent instead, processed an immediate payment on XX/XX/2020 and scheduled a second payment of {$700.00} for XX/XX/2020 for a total of {$1400.00} and not the {$700.00} of the agreement. 

I called the next day to explain the payment had been processed sooner than I agreed. The representative informed me she would refund the {$700.00} and mark my credit that I failed to comply with a negotiated settlement even though she clearly understood her company had misrepresented the situation. I asked for another agreement in writing this time and was told it is their business practice not to offer any agreements in writing until AFTER the payments are made. 

This type of company is the reason consumer protections had to be created in the first place.

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 2020-04-29
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:
I was informed by my car salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to shoe me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

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 2019-06-24
Company: American Financial Network Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
American Financial Network keeps sending plastic cards via USPS with personal mortgage information for all to see - how much I still owe and estimated home value, I had previously submitted opt out to XXXX which has been ignored

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: JPMORGAN CHASE & CO.
State: TX
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:
I made a purchase online for {$710.00} on XX/XX/2019. The purchase was made to an individual through XXXX and Chase banking apps. Before the transaction went through I realized the individual was a fraud and called my bank to cancel the still pending transaction. XXXX stated they could not do anything but Chase could reverse the pending payment. I contacted Chase whom refused to do anything at all and would not allow me to make a dispute claim either. I contacted the individual and asked for a refund and they deleted their account and disappeared. I was able to find their true identity and they made all of their social media private therefore I can not contact them. I have since repeatedly securely messaged Chase bank regarding the issue with proof of the fraudulent transaction through the messages during the transaction. I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was informed by my car salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to shoe me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.

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