BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is an issue with Experian, Not XXXX XXXX XXXX. XXXX XXXX XXXX  is actually trying to help me with this situation. I pay for a monthly service with Experian, I like their product but .... I've been trying to dispute the status of my account with XXXX XXXX XXXX  on my credit report with Experian, they won't listen to me. I disputed the same issue with XXXX, and they just fixed it for me! Im not sure why Experian will not. Anyway ... I have a credit Card with XXXX XXXX XXXX. I closed the account on XX/XX/2020, but I received an offer to re-open the account on XX/XX/2020, and I did so. I still have an account with XXXX XXXX XXXX. Like I said, XXXX XXXX XXXX  is trying to help me resolve this. My complaint is : If my account keeps being displayed as closed, the {$300.00} credit limit that I have on the card does not get applied to my credit utilization, which affects my credit score GREATLY. The account is open, I should get credit for it. Experian will not listen to me. The account was re-opened on XX/XX/2020. All they should do is just look at my credit card statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Receivables Management Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Receivable management Corp. 
Disputed this charge years ago and still show no verification proof. From XXXX  until present for amount XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I woke up this morning to my Cash App account closed. I reached out to cash app and it took them over three hours to get back to me only for them to tell me that they do not have a specific reason, but they can give us why my account was closed, but it was linked to terms and service violation. I read to the terms of service, and I did not find a single violation that I violated. Ive had my account for a very long time, and I try to maintain it for the mayor fact that it is my only source of banking modernly. When I asked them, they said they could not provide any more information because of privacy issues but I am reaching out to them about my account, so why cant they be open with me about what I violated in order for them to close my account? I have screenshots from the whole conversation that I had with the support system, which did not give me any help the end of the conversation before finding a solution. I tried reaching out again and now the app is telling me. I have to wait a maximum of two hours before I can get in contact with somebody to get any more information about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: AMERICAN HONDA FINANCE CORP
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Loan For XXXX is more than XXXX XXXX XXXX shouldn't be on my report anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
With all credit bureau I have been sending letters to them to have an accurate things removed off of my credit report and I haven't got any information back. Been doing this since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
There are false/misleading advertising methods used by Coinbase for its  referral program. In XX/XX/XXXX during the height of the cryptocurrency craze, I was referred to Coinbase by a website dedicated to sharing information about Bitcoin and other cryptocurrencies. Upon signing up, Coinbase told me, " Introduce a friend to Coinbase. You will both get {$10.00} of free Bitcoin when your friend buys or sells at least {$100.00} of digital currency. Learn more. '' After I signed up, verified and confirmed both my account and identity, and purchased at least {$100.00} worth of Bitcoin, Coinbase has been giving me a million and one excuses under the sun as to why they can not issue me the {$10.00} as promised. I have been inquiring about this issue for well over a year and absolutely nothing has been done. I reached out to Coinbase online support at least twice with the same, tired, generic unhelpful responses to my issues. 

In XX/XX/XXXX, I called Coinbase and spoke to a representative named XXXX and a supervisor named XXXX. Both were unhelpful and all they could do was decline me proper assistance, " understand '' and " apologize. '' They verified that I was referred, but they say because it is their " automated system '' that makes the final decision, that I am not entitled to my promised {$10.00}. So it's okay to XXXX over loyal customers, especially as long as you endlessly " apologize '' for the inconvenience and blame the inconvenience on the automated system that you refuse to fix, right Coinbase? 

I am absolutely disgusted with this company and their lack of competence and ethics. This is similar to bait and switch tactics of other companies and it is highly unethical for Coinbase to not take accountability for their wrongdoing whatsoever in this situation. They hide behind their " automated system '' that they have created to refuse customers their rightfully earned {$10.00}.

How is a business even allowed to operate this way? How can a business have zero regard for their customers? Coinbase can operate a site, a whole trading system, etc yet they can't issue {$10.00}? Futile apologies simply do not solve problems. My expectations STILL have not been met and this is extremely unfair to the customer.

I filed a complaint with the XXXX XXXX XXXX and Coinbase refuses to reach out to me and the XXXX about this issue. The XXXX actually tried to contact Coinbase twice and had to close my XXXX case due to " no response. '' Coinbase also closed all of my Coinbase cases and marked them as " resolved '' against my will.

I have been in a few similar situations like this before with other companies and it was always determined that the company was in the wrong and they paid me accordingly. So I'm going to need Coinbase to fully cooperate and give me what's due. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Foursight Holding LLC
State: VA
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:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Comerica
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2023 I noticed suspicious activity on my XXXX XXXX account which has my XXXX veterans benefits. I had to close the card and ask for a new one, which they are charging {$4.00} for. My account was compromised by thieves and now this company that controls my card, are stealing from me. Any charge applied to a XXXX veteran who has his account stolen from is sickening. 
Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank dba XXXX XXXX card has admitted to me they have a system flaw that defaults to incorrect due dates, resulting in missed payments and late fees. It took me threatening litigation to receive my late fee back, but I was still charged interest. They initially denied I scheduled the payment, but I had email confirmation and a confirmation number. This issue has likely impacted numerous other consumers.

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 2022-12-01
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 is missing that should be on the report

Complaint:
Once again the crooked lawbreaking XXXX XXXX XXXX has once again left the last payment date off off of my credit file with equifax and XXXX, Thus violating the law and still throwing my unlawful XXXX around like its okay And they have medical in the remarks of one and not the other, they have junk data hows it con a say Consumer disputes reinvestigation in progress Account previously in dispute - Now resolved by data furnisher That is redundant and its junk data! 
The furnisher hasnt resolved a XXXX thing but a bunch of violations hes gon na pay me well for, inconsistent data, it never fails. And then on the other one, it says XXXXXXXX XXXX previously in dispute - Now resolved by data furnisher lol/ I consistent, unfair! XXXX 




Hope you got your checkbook ready cause the federal complaints are being drafted now, you scored good! 

See you later?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The day after XXXX XXXX, I was told by Amerisave loan officer, XXXX XXXX, that they needed my credit card information to " lock my mortgage rate ''. He stated the amount that would be on hold would be {$440.00} for the appraisal. On XXXX I gave verbal instructions to XXXX over the phone that I did not want an appraisal ordered until after I did my personal inspection and negotiated some repairs with the seller. XXXX confirmed by emailing my agent on XXXX and notifying her that I wanted to hold off on the appraisal. I again reiterated my request to XXXX by email on XXXX. 
On XXXX XXXX, I received an email that I had been charged for the appraisal. XXXX told me that the realty agent told him to order the appraisal. I immediately disputed this as Amerisave was the custodian of my credit card information and I gave them clear instructions not to order an appraisal until I personally inspected the property. Amerisave acts as a middle man as the agent must order the appraisal from the appraisal mgmt company. No matter what they were told by a realty agent, my word as the borrower takes precedence, and Amerisave made a poor decision in overriding the borrower 's request by taking direction from a sales agent whose interest is to sell. Amerisave had no right to release my credit card information to the appraisal company at the direction of the realty agent which was against my specific direction. 
After some research online I have come across troubling complaints from other mortgage customers stating that it is a scam that Amerisave is conducting - they promise to " hold '' the credit card and then release that credit card information to their affiliate, XXXX Appraisal. I unfortunately did not come across this research prior to applying for a mortgage with them. 
It should also be noted that the CFPB ordered Amerisave to pay nearly {$20.00} XXXX in XXXX for " bait and switch '' practices related to their charges for appraisals and their affiliate XXXX Appraisal.

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 2023-06-23
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never heard of this company or this debt. I monitor my credit with XXXX and in XXXX XXXX XXXX or so I received notification that this account was posted to my XXXX and XXXX report. The supposed amount owed is {$2500.00} with a company and a d/b/a i have never heard of or done any business with. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Spring Oaks Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discovered Spring Oaks Capital LLC posted a collections account on my transunion credit report. They listed a balance of {$790.00} opened on XX/XX/2021. This information is false and fraudulent and I have not heard of this company. Reading the original debt collector name as XXXX XXXX, I recognize this was a previous collection account that was deleted because it was fraudulent. Now they have come back as a new company. The XXXX XXXX  collection account was deleted and resolve 6 years ago as fraud, now they have come back as a new company and reporting a new account opening in 2021 with the same fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: LA
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:
Hello, I am writing to dispute the inaccurate information that has been reported on my credit report by various creditors and credit bureaus. I have reviewed my credit report and found that my correct name is XXXX XXXX but it has been reported as XXXX XXXX XXXX. Additionally, there are multiple addresses listed on my credit report that are not accurate. My current address is XXXX XXXX XXXX XXXX, LA XXXX, but I have found that other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have been associated with my credit report. 

These errors have caused me significant emotional distress and have adversely affected my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report, which has caused me to feel frustrated and hopeless. 

I believe that the creditors and credit bureaus have violated several laws, including the FCRA and FACTA. Section 607 of the FCRA requires credit bureaus to report only accurate information and section 610 requires that consumers be notified of any adverse actions taken based on information in their credit report. The fact that my name is being reported inaccurately and that I have been denied credit without being notified of the reasons may be violations of these sections.

Similarly, section 312 of FACTA requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that my name and address information is being reported inaccurately may be a violation of this section. Additionally, section 216 requires creditors and debt collectors to properly dispose of sensitive consumer information. If the credit bureaus or the creditors who provided them with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section. 

I am requesting that the credit bureaus remove the unverified accounts from my credit report and take the necessary steps to ensure that accurate information is reported moving forward. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-24
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a prepaid Card in the Mail on Monday from usbankreliacard. I live in New Jerey and am currently employed and never unemployed. I researched that this card is for unemployment benefits and I have never been unemployed. I have lock my credit file. I have sat on hold for 2 hours one time and 1 1/2 hours the second time to be hung up on. I did not ask for this card and I do not want this card. I was to to reach out to my state unemployment office and sat on hold there numerous times to be hung up on each time I called.

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 2023-07-05
Company: ONLINE Information Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I talked with the company and they are looking into it but they told me to file this complaint along with a police report for Idenity Theft on XX/XX/XXXX the service was XXXX back in XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
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:
XXXX XXXX is An account on my transunion report. Doctors office agreed to delete from my report once it was paid. I have disputed several times. And I have provided proof that the account was paid. Get this account off of my report!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: CITIBANK, N.A.
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 filed a complaint with CFPB about this dispute on XX/XX/2021. 
( Complaint ID : XXXX ) Citibank decided in my favor and issued a monetary refund of {$29.00} for Dispute Case ID : XXXX. 

On XX/XX/2021 I received a letter in the mail from Citi 's dispute department stating that the case had been re-opened and advised that if I no longer needed it to be investigated, I should withdraw the dispute. 

Of course, since I received the refund, I needed nothing investigated any further, so I did what they said and withdrew the dispute. 

Now their convoluted system has taken the {$29.00} refund back, with no way to dispute it again! 

I'd like to get this corrected, get my {$29.00} back and finally be done with this dispute.

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 2021-11-03
Company: Mutual Financial Partners
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2021, I received a phone call from three employers XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX is our company 's receptionist, XXXX is our Payroll, XXXX is the Director for HR, and all thought that I was in trouble with the law, because XXXX XXXX who works for a debt collection agency called my job, my home, and text my phone, stating he worked for the XXXX XXXX Department and was on his way to pick me up. He left a number, and a case number, after telling my past financial business. Case # XXXX, Company 's telephone number XXXX. The main company name is Mutual which is all the receptionist gives when you call. Not only are we still in the midst of a pandemic, but because of this outbreak on yesterday, I immediately suffered a panic/anxiety attack, on the fact that my character is being defamed, and now my job could be in jeopardy because of the tactics he pulled, this is not the first time this company has done this, and I have reported to you guys before, I am now seeking an attorney, and we will prosecute not only XXXX, but the company he works for. I understand they are a debt collector, but the tactics he used is not warranted, nor appreciated, now because of him, I have to be reviewed, and visited the XXXX.

Company response to consumer: Untimely response