BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
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:
This credit reporting agency is reporting that I was late on a closed account that I had with XXXX XXXX XXXX XXXX. I disputed this, and the credit reporting agencies have ignored my requests. My payments were deferred in 2020 due to covid so how could there be a late payment reporting. I contacted the creditor, and they informed me that none of the credit bureaus have reached out to investigate the account I disputed. How are you reporting in inaccurate account that you have yet to verify when I have informed you that it was incorrect? I am demanding that this late payment is removed, and the account is updated immediately. I have already tried to remedy this so I am expecting an update within 15 days or I will be moving forward with contacting the registered agent to move forward with legal action.

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 2022-07-20
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:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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:
Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$290.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.

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 2021-04-07
Company: Experian Information Solutions Inc.
State: PA
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:
A hard inquiry was made on my credit report today, XX/XX/2021. 

It was made by a government agency - US SM BUS ADMIN ODA I am concerned about fraud involving applications in my name perhaps for SBA loans and COVID disaster relief.

I DIS NOT APPLY for COVID relief or any other SBA loan or program. I AM ATTEMPTING TO contact the SBA and report the fraud, as well as disputing the hard inquiry.

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 2023-05-10
Company: EQUIFAX, INC.
State: IN
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've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
This is NOT a duplicate issue, XXXX XXXX is not taking the collection off my credit report. It clearly shows they have it under a collection account. IT WAS AN AUTO LOAN AND NEVER A COLLECTION. They will NOT change this and its affecting my credit trying to purchase a home. The account is now XXXX XXXX XXXX and I just want them to acknowledge it and delete the account, they can do this, they can make this right.

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 2018-05-18
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My school loan from XXXX XXXX XXXX XXXX was supposed to be in forbearance for twelve months. However, they had been in repayment status because a six month forbearance was applied. During the time of repayment, I never received correspondence from XXXX XXXX. It was not until I applied for a mortgage that it was brought to my attention I was over 90 days late on a XXXX XXXX payment and my loans were no longer in forbearance. I never once received a phone call, email or letter regarding the repayment status of my loan. My monthly payments are only {$50.00}, the cost of the monthly payment is not the issue. 

Since XX/XX/XXXX, on several occasions, I have tried to work out this issue with XXXX  XXXX XXXX. They applied a retroactive forbearance to my loan, which covered the dates that were reported 90 days late on my credit report. I have written two letters and been in contact with several XXXX  XXXX representatives requesting a goodwill adjustment to my credit report with all three credit bureaus and XXXX XXXX keeps denying the request. A goodwill adjustment is allowed one time by the U.S Department of Education, but XXXX  XXXX to denies the request every time. 

I tried to resolve this issue by taking another route and dealing directly with all three credit bureaus. I requested written letters from XXXX  XXXX XXXX showing all the dates of my forbearance, include the retroactive forbearance that was applied to my loan. If I can show proof to the credit bureaus, they will make the adjustment to the reported 90 day late. 

On XX/XX/XXXX, I was told on by XXXX  XXXX that it would take 7-10 business  days for me to receive the documentation. As of XX/XX/XXXX, I still have not received this correspondence from them, they have yet to provide me with the information I need to clear up this matter with the credit bureaus. 

I have never once had a late payment with XXXX  XXXX XXXX and have no late payments on my credit report over the past ten years. It is crucial that I get this fixed as it may hurt my chances with potential employers, and has already stopped me from getting a mortgage. As of today, XXXX XXXX XXXX is still not complying with any requests and continues to refuse a one time goodwill/credit adjustment. They are making this process impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: Personal information incorrect

Complaint:
I ordered my credit report from Experian and noticed that they had the incorrect address listed as my mailing address. I submitted a dispute or tried to submit a dispute and was told the " updated '' address that Experian has on my credit report is linked to my creditor or one of my creditors and that i must contact them diectly, so I did. I only have one only currently one open creditor so I called them and they did not identify with address that Experian put on my credit report either. So, I tried filing the address dispute online and Experian told me they resolved my dispute and I had to contact them at XXXX. When I called the number a representative was extremely short with me and was trying to end the cal as it was XXXX XXXX  right before closing. The representative told me that I can not change my own address back to my actual address due to the address being linked to one of my creditors. I am at a loss of what to do in this situation. I have had a freeze on my account for a number of consecutive years now due to severe I'd theft. However, I don't know if this is fraud or not. The consumer reporting agency will not give me any further information.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
DPT ED/XXXX XXXX Balance : {$210000.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

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 2018-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2018 I have written a letter to XXXX XXXX asking them to stop calling me that included out of that state numbers as well which they have ben doing for the past month. I informed them in a letter that all call from them will be log and recorded after XX/XX/2018. On XX/XX/XXXX I received two calls. On XX/XX/XXXX one call and XX/XX/XXXX one call. I have phone login their out of state numbers on my phone. I have sent XXXX XXXX another letter informing them they are in violation of the ( FDCPA ). And informed them I will be filing a complaint with ( CFPB ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-21
Company: Paypal Holdings, Inc
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My paypal accoutn is locked and I would like it unlocked.

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 2021-07-12
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
The below email was sent to Coinbase on XX/XX/21. 


On XX/XX/21, I received a text message from XXXX indicating that my Coinbase password has been changed and to call XXXX to automatically lock my account if I did not do this. I immediately called such number and followed the automatic prompts to lock my account, as I did not, not attempt to, change my password. Immediately after successfully locking my account, I created my first of nearly 10 support tickets which have since been created, dating from XX/XX/21 until today. The support ticket case numbers are : XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 XXXX sent XX/XX/21 On XX/XX/21, I received my last correspondence from Coinbase, which was an email stating that all my cases were consolidated to case # XXXX and that I will be contacted after a review, which generally takes 4-5 business days. 

Such time has clearly passed, as today marks 1 month with no response from Coinbase. 

During such time, I have tried the following : 1 ) unlocking my account, and 2 ) changing my password ( which was successful, however, upon trying to sign in, I am being required to enter a two step verification, which requires me to enter a verification code sent to my phone number. However, the last 2 digits displayed on the phone number the code being sent to do not match my phone number, nor any number that I am aware of ). 

I am now stuck with no response from Coinbase, no way to contact Coinbase, as there is no telephone support, and absolutely no idea what to do next. 

My account has large holdings in XXXX and XXXX, which were valued at over {$6000.00} the last time I checked, which was right before I lost access to my account on XX/XX/21. 

During this past month, Ive had no ability to buy/sell or trade on Coinbase and have lost ample opportunities to use my money as i see fit, which could have rendered my account having well over {$6000.00} even. Having such ability and access was well within my right as a customer. 

I am requesting immediate access to my account, as well as an explanation, as at this point, I have no idea if my account was compromised with all money being taken out, if my account has been improperly used, or if my account is locked. 

In any of the above situations, My damage has been severe and continues with each day that passes with no response or explanation. 

Since sending that email Ive received 2 emails indicating I would hear back in 20 business days. I have not received a response. There is no phone support for me to contact either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have incorrect information on my credit report. I had a mortgage account in  XXXX  which was foreclosed on in  XXXX  with a final payment made in  XXXX .     Ban k of america h as incorrect information listed. Date of last payment :  XXXX   XXXX   XXXX . This is impossible. Please provide proof of payment with this date.   Date account closed :  XXXX   XXXX   XXXX . This is also incorrect as the account was foreclosed and completely terminanted in  XXXX .     The retroactive date that needs to be used would be in  XXXX . This was when a final/last payment was made into this account. This would be the final date to use moving forward. This would be the date that the roll off of the credit should apply.     Otherwise, please provide proof of payment in  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 2022-07-20
Company: Affirm Holdings, Inc
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2021 I initiated an order via Affirm with the merchant Visible. The payment was processed and was received on XX/XX/2021. 

On XX/XX/2021 I initiated a return with the merchant due to the product not being as described ( I was sent the wrong model ) and made a return with the prepaid label the merchant provided ( attached below ) on XX/XX/2021. After speaking with the merchant over the next few days, I was informed it would take up to 21 days, I was informed on XX/XX/2021 by the merchant that the carrier confirmed they lost my return package and a police report should be filed, after filing a a police report on XX/XX/2021 with the XXXX Police Department, I was then informed by the merchant on XX/XX/2021 that they decided to deny my refund request. I explained I had no fault as I returned the package using their prepaid label. 


I then reach out to affirm to complaint over the span of the next few weeks regarding the carelessness of the merchant and how they were basically stealing my money as I provided proof that I no longer had the order in my possession as I returned it, effectively forcing me to pay for a product/service that was not as described, as in this case the phone was damaged which is why I initiated the return. 

Below you will find Affirms practices as a payment facilitator for their partner bank, XXXX XXXXXXXX XXXX, did not meet the standards expected of a financial institution. XXXX refused to initiate an investigation on their end, even though the merchant committed fraud by not returning my money for a product I returned and subsequently filed a claim and was paid out by the carrier for the insurance on the return. In this case, affirm is not just a facilitator of payments, they are a financial institution that provided me with an installment loan and they refuse to help me even though the merchant is committing abuse and possibly fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I brought my first car they westlake financial under a dealer I thought I can trust. They sold me a XXXX  XXXX XXXX XXXX. It was smooth for only 4 months and I had to take it to the manufacture dealership. Dealership told me the car wasnt fully 100 % and was sold to you almost run down. I lost the warranty n the car by the miles already put in it. I couldnt afford repair and monthly payments. I was between jobs and I couldnt travel since my cars wasnt working properly. I only had the car for a year and only drove it for half that year. Im very disappointed that I fell for the old take your money and trust deal. I need to get the settled and charge off my credit in a great way. My dad is now sick and needs help back home. My mom been taking care of him but I need transportation to help them around. Please contact me.

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 2022-07-20
Company: EQUIFAX, INC.
State: TX
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 XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-23
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:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation