BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: PENTAGON FEDERAL CREDIT UNION
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 

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 2021-11-23
Company: U.S. BANCORP
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: Card was charged for something you did not purchase with the card

Complaint:
I authorized a moving company to charge a {$100.00} deposit for moving services to reserve equipment and staff availability on the day of my move. The move took place and a dispute arose regarding the completion and performance of the work requested. At the end of the service, no invoices or statements were tendered to me for approval or payment. Subsequently XXXX charges appeared on my on-line credit card statement totaling in excess of {$8000.00}. These charges were made on my account by the moving company without my knowledge or authorization. I promptly notified my bank, the issuer of the credit card, of these fraudulent charges and filed a written complaint. Additionally I sent a letter to the moving company explaining the matter in detail and requesting that they contact me so that we could attempt to resolve the matter. The company never responded to my correspondence. I worked with the banks case XXXX to provide additional detailed information about the matter and submitted it all in writing. I was advised by the case XXXX that the moving company responded to the bank providing a copy of a contract and invoices, all of which bore my forged signature. I have never seen any of those documents until they were provide to me by the bank. I explained all of this in writing to the case XXXX. I received correspondence from the bank today advising me that it could not assist me in resolving the dispute as I received the services represented by the transaction. This is not true and is solely based on the fraudulent and forged documents created by the moving company on which to base its representations. Neither the bank nor the moving company addressed or mentioned the issue of the fruadulant credit card charges. The bank has no entered the charges and final and owing on my credit card account.

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 2020-12-03
Company: EQUIFAX, INC.
State: MN
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:
I sent a dispute letter on XX/XX/XXXX through Certified Mail to XXXX requesting a reinvestigation and the Method of Verification for an account on my credit profile through XXXX. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the XXXX XXXX, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX v. XXXX XXXX, No. XXXX ( C.D. Cal. XXXX, XXXX ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account due to a security freeze on my profile and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Good afternoon, my name is XXXX XXXX Im writing u to get information on what is going on and why Im not able to open an account. And the accounts I have tried to open are either not able to be open and they arent telling me why or they are being closed and want tell me why either.. I have been a victim of identity theft and I have disclosed that to them as well. But still Im in the situation where Im still not able to open an account.. I received a letter from Bank of America telling me that if I wanted to open up a new account I cant step into a branch and do so upon visiting the branch Im Told that Im not able to open a an account and Im still not sure why not.. my account was closed with chase, Bank of America XXXX and XXXX XXXX and its not fair that Im having to go through this when I have not done anything wrong. I even tried to go in to the branches with my business information that I was given to open up a bank account and still Im not able to.. which results in me not being able to receive any business funding because of me not having a business bank account.. so Im here today to seek and find out whats going on.. and to see if theres anything that can be done to help me get a bank account 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 2017-06-19
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Investigated student loan written as " Charge-Off '' on credit report. The loan was included in bankruptcy so should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: TN
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:
N accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2018-02-17
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I was unable to login to my XXXX account where I had just purchased XXXX worth of Bitcoin and Litecoin earlier that day. I was quickly prompted with a message that I should contact Coinbase Customer Support. However, I was confused on why I was unable to access my XXXX account because I did not receive an email on why my account had been temporarily disabled. I contacted Coinbase on XX/XX/XXXX and was told the reason why my XXXX account had been disabled is because my XXXX credit card company had reversed an order on my account. However, even though I had that credit card linked to my account, I have never used that credit card to purchase any cryptocurrency on my account. I only used my bank account to purchase cryptocurrency on Coinbase. The customer support representative then went on to tell me that in order to regain access to my XXXX account I will need to pay {$3200.00} dollars. I paid the {$3200.00} with my card and was told I should regain access in 3-5 business days. On XX/XX/XXXX, I logged onto my Coinbase and noticed they had taken XXXX dollars worth of bitcoin from my account after I had initially paid them {$3200.00} they had wanted. I contacted Coinbase that same day and was told they only accept cryptocurrency as a form of repayment after the fact I paid them via credit card as the site allowed me to. After discussing, the situation with customer support they told me I should immediately regain access to my XXXX account and should be able to buy, sell, and send cryptocurrency again since everything was paid off. It is currently XX/XX/XXXX and I have contacted Coinbase and XXXX multiple times and I continue to get the same response : Your ticket will be handled very soon and you should have full access in 4-5 business days. I honestly do not care that I paid twice for a charge that was never made on my account, I just want access to my XXXX worth of coins that currently stuck in XXXX. My ticket number is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: ERC
State: TX
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: Was not notified of investigation status or results

Complaint:
Upon examination of my credit report I found an item listed to  Enhanced Recovery Company in the amount of {$520.00}. I disagree with the item and so sent a letter vi a certified mail on  XXXX   XXXX  requesting validation of the debt bearing my signature. I received no response from this correspondence and so sent a follow up letter on  XXXX   XXXX ,  2017 . To date, I have still not received any response from my request. It is my belief that this failure to provide information is a direct violation of the Fair Credit Reporting Act and is illegal in that they are knowingly reporting information that can not validate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have applied for a Deed in Lieu with PHH Mortgage Serices Attn : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX and have not been able to resolve a title issue dispute. XXXX XXXX, XXXX whom I have never spoken to is the Relationship Manager. Someone different have call me every week to discuss issue when I have appointment calls. Because my parents are deceased and we do not want to keep the house, nor, can we keep up with the payments, we have filed for a Deed in Lieu.. My mother had a loan modification but she had a XXXX and died on XX/XX/2020. 

I have submitted all of the documents requested to PHH mortgage and have talked to them weekly. The Affidavit of XXXX has been submitted and approved. XXXX XXXX and XXXX XXXX XXXX are the parties to discuss Deed in Lieu. 

I am told that there is an encumbrance on the property which affects the title but the encumbrance is the result of the Mortgage Companies when they sell or transfer the mortgage to another company not following up and submitting the loan cancellation or the transfer of the property to the new lenders. 

The encumbrance reference is from a '' XXXX XXXX XXXX. '' PHH or XXXX XXXX XXXX does not seem to understand that it can cancel this encumbrance or go through the chain ot title when they purchase the paper to have all of the encumbrances cancelled. 

Mortgage Companies do not have attorneys working to assist the borrower. Moreover, PHH violated the foreclosure moratorium by trying to seize the property during the pandemic. An attorney in XXXX XXXX Louisiana, XXXX XXXX filed the Notice of Seizure. She is not talking to the Deed In Lieu Department at PHH/XXXX XXXX.,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX I purchase XXXX XXXX shares of XXXX from www.coinbase.com. This costed a little over 1000 but resulted in over {$100000.00} because in XXXX days XXXX  changed price and went from XXXX to to XXXX. I took screen shots to show what I earned. Then coinbase locked the accounts. Then coinbase changed the original shares brought to around 100,000 shares and put XXXX in in my account. Fraud. When I tried to cash out the money of over 100,000 it would not cash out it it locked up. I reported it to the sec.gov as well. I have all screen shots of earnnings, trying to cash out, cancellation messages and all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-04
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX, I contacted Prestige Financial regarding my auto loan being very high at almost 20 %. I spoke with XXXX and asked about reducing my rate. XXXX told me I could make 3 on time payments or add auto pay to my account. She informed me the rate was reduced to 19.74 %. XXXX is very unprofessional, condescending and calls on the day the payment is due. There's absolutely no grace period. 

I was 30 days late with my car note once, back in XX/XX/XXXX. I feel this rate is predatory lending for veterans who've had financial hardships. I recently discovered through XXXX my vehicle has structural damage and it's worthless!!! The vehicle 's history was never disclosed to me at the time of purchase. I purchased my car for $ XXXX, by the end of my loan, I will have paid over $ 26K. 

I purchased my vehicle in XX/XX/XXXX, after filing bankruptcy. My bankruptcy attorney referred me to an auto program called 722 Redemption. They " offered Chapter XXXX debtors alternative to costly vehicle reaffirmations ''. Through the 722 Redemption program, I bought my car from the XXXX XXXX dealership in XXXX Ohio. 

Now I'm stuck with a worthless vehicle, an outrageous interest rate and $ XXXX in negative equity. Please help. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent him many dispute letters asking for papers where they say that they are my accounts and the collections where it says that I sign some document to pay that debt to the collection companies but until now they never answer me with any document So in this case what I can do because XXXX, XXXX, XXXX keep reporting negative items on my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent XXXX XXXX XXXX appeared on my Equifax credit report. FTC ID report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
Pursuant to 15 U.S. Code 1681cXXXX - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-08-30
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In the early morning of XX/XX/XXXX, I used a XXXX ATM at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I withdrew {$80.00} from the ATM but accidentally left my ATM card in the machine. When I woke up in the morning on XX/XX/XXXX, I noticed there were 3 ATM transactions at different ATMs than the one I originally used and a transaction from " XXXX XXXX  XXXX '' that all occurred on the morning of XX/XX/XXXX without my consent. The transaction breakdown according to my bank, M & T Bank, is as follows : XX/XX/XXXXXXXX ATM WITHDRAWAL XXXXXX/XX/XXXX XXXX {$43.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX ATM WITHDRAWAL XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$1400.00} XXXX immediately called M & T Bank on the morning of XX/XX/XXXX to report the fraudulent charges. They initially credited my account back the money while they conducted their investigation. I provided a written documentation of the event pursuant to their request to aid the investigation at the end of XXXX. 

I received a letter in the mail on XX/XX/XXXX, dated XX/XX/XXXX, that they have determined the transactions were processed correctly and no error has occurred. Therefore they are denying my claim. They provided no written documentation as to why the claim was denied. I called M & T 's telephone banking center at XXXX on XX/XX/XXXX to determine why this occurred and if there was anything else I can do to fight this. They verbally told me that the thief somehow had my PIN number for my ATM card and that's how the transaction processed, so no error occurred. I have no idea how they illegally obtained my PIN number. There could have been a skimmer on the machine. I have no idea. M & T claims they are unable to obtain security footage from the ATMs since it is not an actual M & T Bank ATM. 

I have since filed a police report with the XXXX Police Department and provided that documentation to M & T as well. M & T Bank is going to take {$830.00} out of my checking account on XX/XX/XXXX and there is nothing I can do to stop them. They are still investigating the fraudulent transaction of {$1400.00}, so no decision has been made if they will approve or deny that claim as well. 

Please let me know if there is anything someone can do to help. 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 2018-02-04
Company: Experian Information Solutions 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:
My ontime payment went through an inactive checking account on XX/XX/2017 for my XXXX XXXX that I lease from XXXX XXXX XXXX  due to automatic XXXX XXXX app on my XXXX, after I received an email from XXXX XXXX   that the payment won't go through due to inactive account status I immediately called XXXX XXXX XXXX on XX/XX/XXXX and I explain the situation, I've been told ( and they were recording this ) that there is NO need to do anything since on their end it was shown as paid! Nevertheless I offered to make a second payment on the same day using my new bank account from XXXX XXXX I've been told again from the representative that since I made the second payment I have nothing to worry about and that the second payment will cover the first payment in case that it will be returned as unpaid, I also been told that they won't reported as late payment and everything is ok. Two months after they reported my XX/XX/2017 payment as late payment which damaged severely my credit score, I blame XXXX XXXX XXXX  for incompetence for lack of knowledge and for misinformed a loyal customer that is 100 % on time with payments with all creditors and three times XXXX customer with no late payments at all. 
After sending letter to the company explaining the situation for their error I received a letter telling me that my correspondence does not provide sufficient justification to change the way that they reporting my payment history to the consumer reporting agencies and as a result of my dispute they will provide an update to credit reporting agencies reflecting the results of their investigation. I tried numerous times adfter that to speak to somebody in the credit reporting department at XXXX XXXX XXXX  and they denied it all times!

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