BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
on XX/XX/XXXX I sent a letter to all three credit reporting agencies for inaccuracies on my personal information. Ive sent two follow up letters XX/XX/XXXX and XX/XX/XXXX, and still nothing has been removed.

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 2018-02-20
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a stop-loss limit order on LTC-USD in XXXX which executed successfully : Order : XXXX Product : LTC-USD Trade : XXXX My USD account was never credited with the funds. Over a month later after calling support and nothing. Pretty straightforward, the phone rep understood exactly what was going on but couldn't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i purchased a vehicle through XXXX XXXX XXXX company. When going over the financing application i spoke to a representative from XXXX they had indicated the intrest rate would be 17 % and within 3 months of making payments i could refinance the loan through them. This was a outright lie i called them to refi the loan and they stated they do not offer that option. XXXX XXXX XXXX targets committees of XXXX lying and taking advantage of minorities by utilizing this bait and switch tactic. I have called them numerous times to fix all of the damage they did to my credit, once i realized they were not going to refi the loan as promised i told them i needed more time to pay since the rate was so high they insured me that was ok. Then they intimidately started to ding my credit. This XXXX organization needs to be held accountable for their lies and deception

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 2019-10-24
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I signed up for the card in store and made a purchase. I never received the card in the mail, nor a statement for the charges. I periodically receive 10-15 calls/day from the bank collections department and make a payment when I speak to them. Over this time, I have been charged late fees for EVERY SINGLE month, even though I make payments when I am contacted. The representative I was speaking with was laughing at me and was disrespectful when I explained the situation. Based on notes, she could see I have said the same thing in the past. No card, no statements, no account number. I have not had the info needed to call the bank myself at the number provided XXXX which expects the account number. When I am contacted, I make the payment, even though they are calling so many times over multiple days. I do not have a problem paying what is owed but am now only paying for the fees they are charging, not for good purchased. Today I paid the rest off so I would not be contacted anymore but am filing a complaint for a refund of the {$120.00} I was advised were strictly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX - Purchase date for 3D printer - I paid with my discover card through XXXX to the manufacturer XX/XX/XXXX - Asked to return the printer ; return label was sent by manufacturer XX/XX/XXXX - shipped the printer back to the manufacturer?? Filed a dispute with Discover card to stop payment on the faulty printer XX/XX/XXXX - Discover denied the dispute ; we appealed XX/XX/XXXX - Discover denied the dispute ; we appealed XX/XX/XXXX - Discover denied the dispute ; we appealed XXXX - Threatened the manufacturer with charges of theft ; at this point they had my money and the returned printer, from my perspective. 
?? - Manufacturer got back with me via phone and said that XXXX told them that Discover ruled in favor of ME in the dispute. Discover denies this. Manufacturer agrees via email to refund me the money, but won't do it until the payment is processed through to them. Manufacturer says that XXXX is telling them that they haven't received notification from Discover that the dispute has been resolved in the manufacturer 's favor. 

Today, I spoke at length with Discover asking them to email me proof that the dispute resolution has been sent to XXXX. They agreed to mail me a copy of what they've already sent me, but will not produce proof of what they sent to XXXX. Discover will not send the required notification to XXXX to release the payment to the manufacturer, therefore the manufacturer will not process my refund. 

Now, I don't have the money ( ~ {$1900.00} ), I don't have the faulty or a working 3D printer, and I don't have any way to prove to the manufacturer that they will get paid so that they can refund the money. To the best of my knowledge either XXXX or Discovercard has the money. The manufacturer has the returned printer. I have nothing. 


Purchased a 3d printer to make masks for local first responders due to COVID. Time sensitive purchase. The printer came in and never worked correctly, so I returned it. The manufacturer at first told me that they couldn't refund my money because of their return policy. So I began a dispute with Discover Card. 

Discover Card ruled in favor of the manufacturer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have had negative items on my report for months now and for some reason they have not been validated and they have not been updated on my report they have no been verified with supporting documents and I have not been notified please delete these items they are truly affecting my credit score and my chances of doing things that are needed

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 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
On XX/XX/XXXX two duplicate fraudulent charges in the amount of {$16.00} were made on my Bank Of America credit card. On XX/XX/XXXX I contacted Bank Of America and filed a fraud claim. The claim was at first honored. On XX/XX/XXXX my fraud claim decision was reverted and I received a vague letter stating that my card must have been used without any factual data being presented to me, which I could take back to the vendor to dispute this claim further. 

Upon contacting Bank Of America about this matter several times over the next month, I was routed to various departments and individuals, spending countless hours on the phone, with no resolution. Their fraud department told me that they were " looking into this '' on multiple occasions, with no real progress being made. 

Today was the last straw that broke the proverbial camels back. After wasting another 30-45 minutes on hold with Bank Of America 's fraud department, I was told that this was not in fact a fraudulent claim, but rather a dispute and that I would have to speak to their dispute department. I sat on hold for another 45 minutes, only to be told by the dispute representative that this was a fraud claim, and all they could do was transfer me back to the fraud department. 

I have been a Bank Of America customer since XXXX and have spent hundreds of thousands of dollars with them. However, this does not seem to mean anything to them, as I just keep getting pushed around. Its less about the amount of the claim in this instance, but rather the fact that this is how they worm their way out of honoring a claim and how they treat their long term customers. 

If you have any fiscal sense, I would highly advise seeking another banking institution before trusting your funds with Bank Of America.

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 2020-11-28
Company: TIDEWATER FINANCE COMPANY, INC.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The car was paid off on XX/XX/2020. I had made 3 calls to get a payoff letter and after driving over 40 miles one way told the agent I refused to get off the phone until they emailed it to me. I finally had it emailed on XX/XX/2020. At that time I was advised my refund for the over payment on the payoff will take 30 to 45 days. On XX/XX/2020 I was told they have not processed my check and will have it processed and sent within 2 days. As of today, XX/XX/2020, they have not processed the over payment. Plus I need to have my account reviewed as I made my payments in advance and they continue to charge interest on on time there was no payment due. They have removed my payment history so all I can see is I have a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sold my house and that paid my Mortgage with Shellpoint off. They have since reported me as 30 days late, then 60 days late on a {$0.00} loan which is absolutely impossible! The wire transfer took place twice on XX/XX/XXXX! Well before the loan could ever be considered late! You also CAN NOT BE LATE ON {$0.00}!! HELP ME! THEY DENIED THE WIRE TRANFER 2 TIMES! MY TITLE INSURANSOR WAS SURPRISED BY THEIR LACK OF ATTENTIVENESS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, 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:
I have written 3 letters and received 3 responses from Equifax ( see attached letters from Equifax dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to request that Equifax remove the XXXX hard inquiry on XX/XX/XXXX which needs to be removed due to identity theft and the inquiry is still on my credit report to this day ( please see attached copy of the inquiries from my credit report directly from equifax.com dated XX/XX/XXXX ). I followed all proper steps for inquiry removal including filing an ftc report with the inquiry in question. Equifax received the letters and agreed the inquiry should be removed and responded as such. I have also called multiple times and each time the representative validated that yes it should be removed and insisted that a note to backoffice / fraud department was placed to have this removed but still this particular inquiry appears on my credit report. If you look closely at each of the 3 Equifax letters you will see that Equifax actually does agree that the inquiry should be removed ( see highlighted section on page 3 of each letter ). Each letter states that the inquiry has been removed. However, as you can see from my credit report on XX/XX/XXXX the inquiry still remains after multiple attempts. The interesting thing to note is that Equifax deleted all of the other inquiries that were requested, just not this XXXX inquiry for some reason. I don't think this is a case of Equifax refusing to comply. I believe they fully agree the inquiry needs to be removed. This seems to be some kind of system issue with XXXX because it appears that the Equifax representatives who processed each letter believed they in fact were deleting the inquiry but for some reason the system did not actually delete it. Equifax needs to fix whatever system issue exists preventing this XXXX inquiry from being deleted. In addition, I noticed that an additional XXXX inquiry has appeared dated XX/XX/XXXX that was not me and needs to be removed. I would also like this removed at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This bank is not following Regulation E guidelines. They charged me an NSF fee on an item still pending. After all items had posted on XX/XX/XXXX there was a POSITIVE balance of {$30.00}. The NSF fee hit that night causing the account to go negative {$5.00}. The item that caused the NSF fee is still pending on my account. Pending items can be removed by the merchant at any time. That is why you can not dispute and why FEES can not be charged against a pending item. XXXX, the call center manager on duty XX/XX/XXXX at XXXX XXXX, needs new yearly training to be updated on Regulation policies. This is federal law this bank is breaking. At the end of business day of XX/XX/XXXX my account was positive. I demand my money be returned as it was stolen by Regions Bank. This bank is so fee hungry, they will take a fee before the transaction even posts!

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 2023-02-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2021-10-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 tried to buy a XXXX XXXX XXXX on XXXX on XX/XX/2021. The listing made by XXXX was flagged as suspicious and thus removed by XXXX. I contacted Paypal Credit to report that the listing was removed by XXXX for that reason and to start a dispute. Paypal credit supposedly tried to contact me, that never occurred. I used Paypal credit to pay for the purchase and even though I reported the problem, PayPal credit refuses to fix the dispute. If XXXX removes the listing, where did the money go? This has been a recurring nightmare with XXXX and Paypal credit, they have fixed the previous 2 occurrences but this one is taking extremely long and I've been paying on this debt even though I did not get what I purchased. Basically, XXXX has become a lair of scammers and the supposed purchase protection is a complete lie. If a listing is removed why did they still charge me? Why does Paypal credit still payout if the listing is flagged as suspicious? I have wasted over 12 hours on phone calls to Paypal credit, to XXXX and nothing has been done, can your agency help 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 monetary relief
Consumer complaint received 2020-07-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020, I noticed an unauthorized transaction on my ATM/debit card in the amount of {$200.00} from XXXX XXXX which is linked to my checking account. I immediately went on USAA online to dispute the transaction because I had not visited or shopped at the store on the specified day and to make things worse I had reported the ATM/ debit card lost/ stolen in XX/XX/2020. I called USAA on XX/XX/2020, and the representative stated the transaction was referred to their fraudulent dept. On XX/XX/XXXX I called USAA again to find out the status and the representative stated USAA would not refund me my money. I explained that the card had been closed three months prior so how could I make a purchase in June then I requested to speak to a manager. I was connected with another rep/manager who stated she was not sure why I was not given a refund but she could not review my dispute because it was sealed/closed. USAA did not thoroughly investigate this transaction and immediately declined to reimburse me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Fraudulent Loan created on XX/XX/2022. 
Loan Number XXXX Borrower Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX OR XXXX Notified : XXXX XXXX XXXX XXXX XXXX my lender of Fraud Today Saturday XX/XX/2033, when I received their inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: EQUIFAX, INC.
State: KS
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:
On XX/XX/2018 an XXXX XXXX XXXX XXXX XXXX XXXX XXXX   representative in an XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX United States ask me for some information including my name and address, she did not inform nor did I give consent to have a credit check, and now there is a hard inquiry on my Equifax Credit Report .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAKEFIELD is claiming that I owe them {$1600.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXXI was unable to log into my Coinbase Account. My phone had reset and didnt save my email address for my account. Therefore, I dont know the email address I used for my account but Im able to verify to Coinbase support all the information on that account thats verifiable. ( Driver license, banking information, phone number etc ) I contacted Coinbase Support and created a case #. I got an automated response back and thats all. Ive tried contacting them multiple times over the past two weeks and get nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

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 2021-07-21
Company: EQUIFAX, INC.
State: IA
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 sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

Company response to consumer: Closed with explanation