BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
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: Reporting company used your report improperly

Complaint:
In Accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights privacy and confidentiality under 15 USC 1681 Verge Credit : Act # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) aCT # XXXX 15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy 15 U.S.C 1681 SECTION 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: BARCLAYS BANK DELAWARE
State: MA
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 purchased a program from a company called life solutions, I put a down payment on {$6000.00} on XX/XX/XXXX. After reviewing the program for two days I decided I wanted to return it. Contacting the company I only got voicemails from three different departments and left each a voicemail. I tried calling on numerous occasions with no reply. XXXX from the coaching program reached out to me about a live event and while I had her on the phone I told her I wanted to be removed from the program, she made a note in the system. I tried to reach life solutions again on XX/XX/XXXX and again only voicemails. I was notified by email on the XXXX that Barclay card paid them an additional {$6000.00}. The credit limit on my card is {$10000.00}, Barclay, without my permission exceeded my account limit and put the charge through. I filed a dispute with Barclay. I am still leaving messages for the accounting department and sent an email to XXXX at XXXX XXXX  but know one responds, no responds from customer service either.

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 2023-03-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Monday XX/XX/XXXX I went through the atm to deposit {$830.00} cash into my account. The atm machine said there was a problem counting some of the bills so I hit cancel. The machine closed and didn't give me my cash a receipt or credit my account. I then filed a dispute. I'm highly upset this has taken this long for them to investigate and return my money. After multiple calls back and forth to the XXXX number and the bank branch. One of the tellers even said well our machine is only serviced Monday, Wednesday and Friday we cant just call them out the fee is high. So now we are here and its Friday the problem still not fixed and i call again to the branch and the XXXX number. The branch teller says we know the atm is off we cant deposit the money and tells me to contact the General Manager which I did and I'm waiting for a call back. This has been unreal the last of urgency when that is someone's money. I have asked for paperwork that we have signed stating it is ok and we understand it can take however long for this to be fixed. From a customer service stand point this has been the worst experience we have ever had this institution is does not take the customers best interest in to account. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX Huntington Account number XXXX Dispute Reference Number XXXX /

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02
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:
In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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 submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: IA
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:
Account is reporting incorrectly by XXXX, XXXX and Equifax. Previously, account reported account status of derogatory with payment status of collection charge of with a balance of {$1200.00}. Recording a date of last payment of XX/XX/XXXX by Equifax while XXXX and XXXX XXXX reported no data for date of last payment. payment history was reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by Equifax while XXXX reported eight consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX and again XXXX XXXX is not reporting any data whatsoever. Information reported on payment history and date of the last payment for Equifax makes no sense as dates do not match and for this reason I had previously disputed account asking to delete immediately as account is a mistake itself. Instead investigation results came back still incorrectly account is now reporting account status of being closed with a payment status of charge off With a balance of {$1200.00}. Recording a date of less active of XX/XX/XXXX by XXXX XXXX and Equifax while XXXX is reporting a date of last active as XX/XX/XXXX. Data that was being recorded on date of last payment by Equifax has now been deleted giving nothing to show where on payment history Equifax has deleted all payment history replacing it with consecutive charge off as if it was some sort of payment method. Account is now being reported as closed and no payment should be reported on payment history on a dead account. There is no way that all three bureaus can be right if information is coming from the same furniture data. Account is a total mistake itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 45 days later, I have not received a accurate response. I have requested supporting documentation to support their reason to keep fraudulent information on my credit report and they have not sent me any investigation results supporting why these accounts are on my credit report. I am being taken advantage of by the credit bureaus and this information is being ignored.this is now my second complaint to try and resolve this matter. Section 611 ( a ) states that failure to investigate items within 30 days gives reason to immediately remove from my credit report. I demand these fraudulent accounts be deleted. My information was also impacted by the equifax and marriot breach as well. There are even creditors who are investigating and admitting the account is not mine. Which i have attached as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written disputes to the credit bureaus to remove this from my credit profile. Ive submitted multiple documentation showing that ive never lived in these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Capital One XXXX card 's statement closed on XX/XX/2022 in the amount of XXXX was due on XX/XX/XXXX. 
They charged an interest fee of {$25.00} on XX/XX/XXXX. 
I paid XXXX days late : {$1300.00} on XX/XX/XXXX. 
They also assessed {$35.00} in interest fees on XX/XX/XXXX. 

Next statement closed on XX/XX/2022 in the amount of XXXX ( includes late charge fee as well as the interest fee mentioned above ). 
I made the full payment amount on XX/XX/XXXX. 

They charged me another {$20.00} in interest charges on XX/XX/XXXX, even though I had paid my statement in full. 

I called and complained about it, they told me there was nothing they could do and that they would charge interest for XXXX months. I then asked to close my account, and I had XXXX in outstanding balance. When they gave me my quote, they said I had to pay {$1600.00} to close out my account. This means they are charging me interest again this month. 

How is it possible that they made over {$60.00} in interest charges because someone was XXXX days late for a less than $ XXXX outstanding balance? These are predatory charges. I pay $ XXXX in interest charges on my mortgage which is close to XXXX in principal. Of course I get it that those are XXXX different financial products, but this should be illegal, especially because I did pay for my balance in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Ascendium Education Group
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loans where included in my XXXX  XXXX bankruptcy in XX/XX/XXXX and were discharged in XXXX of XXXX but i am still being contacted to pay. i have made one payment but i should not be paying if these are discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
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/2020 I was locked out of my Coinbase account. I tried to get in and I was not allowed in so I decided to change my password in which I did. Everytime I tried to log in Coinbase would send me a validation code I needed to enter my account via text message. Every time I used the code they sent me, it would say invalid code. This was done over 10 times and I would always recieve a message saying invalid code. These are the access code sent to me by Coinbase themselves. I tried calling them and Coinbase does not allow you to speak to anyone by phone, only through email. This is so unprofessional, seeing that they have billions of dollars from customers on their platform. Having this much money belonging to clients and not being able to speak to someone physically is completely wrong. I sent them several email and many went without a response and the 2 they replyed to told me my file was closed and that they could not assist me any further. I kept sending emails telling them email stating I needed access to my account and it was completely ignored. At this point i am in a state of panic, because I recieve a message telling me that my XXXX litecoins and my XXXX xrp coins were converted to Bitcoins. I authorized no such transaction. I gained access to my account on the XX/XX/XXXX only to see that I had no more xrp and litecoins in my account, it was all converted to bitcoin. There was also a sale of XXXX of bitcoin from my account. All these transaction were unauthorized and unknown to me. I have been emailing Coinbase that I need an explanation as to what is going on and they refuse to reply. This is so lowdown and dirty by Coinbase. They are very crooked and unprofessional. I need answers or I will take legal action. Coinbase needs to compensate me for all the troubles and return any fees taken from these unauthorized tranactions. I was trying to purchase coins at a lower price and now the coins went back up, so if I were to convert them back I will lose on the amount of coins I initally had. Fraud!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting an incorrect late on my credit file or XX/XX/2019. I have NEVER been late on this account. I always make my payments online and thought it went through as usual. Later I noticed I was late and made the payment right away. I should have never been late, their was money in my account and the payment should have gone through. This is not my fault. I have never had a late on my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: SYNCHRONY FINANCIAL
State: FL
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:
Synchrony Bank is the worst of the worst with regard to maintaining and assisting customers with their internet portal. I have consistently tried to make payments and log onto their sites repeatedly with no success. When I call I get that apologetic XXXX who says they will forward on my complaint. This Bank needs to shut down. If they can't respond to their customers in a timely fashion and always. I am taking the action of paying out these small debts and then cancelling anything to do with Synchrony bank.

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 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
During the middle of XX/XX/XXXX through presently XX/XX/XXXX I have consistently been in contact with Transunion Consumer Reporting Agency regarding Fraudulent Accounts that were established without my knowledge or consent that are currently listed on my credit report. I have sent several disputes ( tracking # XXXX ) being one of  many that was received on XX/XX/XXXX at XXXX XXXX. Despite my continuous efforts, Transunion has not provided 100 % accurate verification as per the Fair Credit Reporting Act and has failed to block the Fraudulent disputed accounts within 4 business days per section 605b of the Fair Credit Reporting Act. The accounts in question that remain are 1. XXXX XXXX and XXXX XXXX XXXX. Transunion has failed to provide any original documentation or correspondence obligated me to these accounts but yet continue to report these items on my credit report. This is a clear violation of my consumer rights under the Fair Credit Reporting Act. It has been almost 1 year since my initial dispute and Transunion continues to fail to comply.

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 2023-01-26
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:
Experian is willful non compliant when given the evidence of documentation of account not reporting accurate. i have ask via snail mail with certified receipts, proper documentation to correct or delete the accounts in question. I have also exercised my rights under FCRA section 611 ( a ) ( 7 ) the method of verification used to verified these accounts in question? I asked who did they actually talk to about these account listed here : XXXX ) XXXX account # XXXX, ( XXXX ) XXXX XXXX account # XXXX, ( XXXX ) discover bank account # XXXX, XXXX ) XXXX XXXX XXXX account XXXX XXXX what real person was the one that verified these accounts. What are their names? what extencion number did they use? what are the dates that they contacted the real person or reps of each company in question? what hard documents did the get that they should share with me as evidence to back up their XXXX XXXX XXXX says to me that they do not have any record of the account at all. and that experian never contacted them???? so forth and so forth... Experian is in violation of the statue that clearly says they must follow the law. under Facta act i need to get a copy of the records in my hands.

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 2023-01-25
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:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$5800.00}

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 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XXXX XXXX XXXX someone attempted to gain access to my personal information by filling out a credit application in my name for a XXXX XXXX  Credit Card on my TransUnion and XXXX credit file., I have attempted to contact TransUnion and XXXX to remove this Fraudulent Inquiry / Identity theft of my personal information., This Action was even caught and the application was denied so to a Fraud Concern by XXXX and they sent me a letter verifying the Fraud Attempt made on my file and quickly notified me.. The letter is contained here in this notification.. If this inquiry is not removed by TransUnion and XXXX within 30 days of receipt of this notification, I will exercise my right to sue for damages under the FCRA guidelines in the Court Of Common Pleas of XXXX County, Pa located in XXXX, Pa 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 2020-07-12
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:
XXXX is showing I was 90 days past due in XXXX through XXXX of XXXX. My account was in the process of renewal of forbearance application. At that point it was in the hands of the financial department in which I was either constantly trying to contact the, ever changing, financial officer assigned to my account or being transferred multiple times to different departments and employees. I have never had to make a payment because of my forbearance status, therefore, have never been past due or late with any payments. 
I have disputed this issued multiple times through XXXX, XXXX XXXX, and all the Credit Bureau 's and the information has never been updated or changed to reflect the correct information.

Company response to consumer: Closed with explanation