BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my credit reports from the three agencies through the Annual credit report website. I input my information but due to issues unknown to me the sites failed to produce the reports. I have done this years before without an issue. My credit score dropped 45 points since XXXX this year. Now I can not access my information to see why my score dropped. I get my score from my banking web site for free. There is no process of getting the free reports from them, to figure out why the score dropped. The credit agencies do not have a direct phone line to call to remedy the issue.

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 2018-02-23
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:
I sold all my crypto currency on coinbase and had them wire the money to my bank account on XX/XX/XXXX. Both ether and bitcoins. The transaction shows as completed in the app but I haven't received any payment on my bank account as of now. I did get in touch with customer service and they said they will investigate and will follow-up with me - this was on XX/XX/XXXX. I haven't heard anything back from them since although I followed up twice already.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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've sent several letters over the past six months and there has been no change in my report. I am requesting that this is removed from my report. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  ACC XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX/XXXX/XXXX  A XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX/XXXX  XXXX-XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX {$21000.00} XXXX {$25000.00} XXXX {$0.00} XXXX XXXX {$1200.00} XXXX XXXX {$780.00} XXXX {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: TN
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:
They are reporting wrong address and name

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 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on XX/XX/2017 I join XXXX  XXXX XXXX a XXXX XXXX XXXX XXXX . They sent XXXX store card a proposal to lower my payments and interest and remove all late payments. XXXX continue to report me 30days late every month. They accepted the proposal with the understanding they would receive my payments on the XX/XX/XXXX of each month. I'm trying to increase my credit score. XXXX continue to send negative information to the credit bureau. They continue to show me late. I have contacted them several time and nothing has changed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: EQUIFAX, INC.
State: KY
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:
I have contacted Equifax and XXXX to remove unauthorized inquiries on numerous occasions, with the most recent time being XXXX/XXXX/XXXX. Both companies refuse to remove or even investigate the inquiries. I did not authorize the credit report inquiries for the following companies and I wish to have them removed as a hard inquiry on my record. I have attempted to contact those companies I could locate phone numbers for online but have been unsuccessful in reaching someone to help with this issue. 

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 M XXXX XXXX/XXXX/XXXX Equifax : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank has illegally locked us out of our home at XXXX XXXX XXXX XXXX, FL Please help me understand why M & T Bank is inspecting our property and changing the locks outside of the Loan Modification agreement made with XXXX XXXX XXXX. 

* We entered into a Trial Payment plan for XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

1. ) The Defendants hereby certify that an AGREEMENT was executed in XX/XX/XXXX with XXXX XXXX XXXX XXXX, a debt collector on behalf of M & T BANK for a Trial Payment plan for the purposes of a loan modification. The Asset Manager assigned to this case is known as XXXX XXXX at ( XXXX ) XXXX And XXXX. 

2. ) The Defendants hereby certify that M & T Bank issued a WORK ORDER on Tuesday, XX/XX/XXXX which provided access to subject property at XXXX XXXX XXXX UNIT XXXX XXXX, FL XXXX on Friday the XXXX day of XX/XX/XXXX and keys to said property were conveyed. The POC for this WORK ORDER is XXXX and he can be reached at XXXX to confirm. 

* The trial payments were made as followed - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX - XX/XX/XXXX Confirmation Number XXXX with XXXX XXXX XXXX, Agent name is XXXX * We were XXXX a Loan Modification package on XX/XX/XXXX. 

* The XXXX payment was made as agreed on XXXX XX/XX/XXXX via XXXX XXXX XXXX pay Confirmation # XXXX * We were granted an extension review on XXXX XX/XX/XXXX for Loan Modification Documents * The loan modification documents were XXXX back on XXXX XX/XX/XXXX Tracking No. XXXX XXXX XXXX * M & T Bank issued a property inspection charge on XX/XX/XXXX for XXXX. 

Why is there a property inspection charge on my account? 

This means that a vendor entered our property opposite of our Loan Modification? 

New carpet was installed XXXX XX/XX/XXXX. Fresh paint was applied XX/XX/2017 

I do not know what and/or any damages were made to the renovations we completed at this time? 

* M & T Bank has entered our property without notification. 

* M & T Bank has changed the locks to our property restricting access to our home. 

Will XXXX XXXX, the attorney for M & T Bank, explain what is going on? 
We have abided by the agreement and making payments on the Loan Modification as submitted. M & T Bank is restricting access to a property that we rightfully are paying a mortgage payment? M & T Bank is restricting our right to lease out the home and causing additional hardship, stress and suffering. 

I am waiting on a response. No one from Modification has responded to me on what is going on

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 2019-02-18
Company: Westlake Services, LLC
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I already submit a complaint and it was closed because the financial institution sent you a letter stating that they contacted the dealership XXXX XXXX XXXX and the dealership agree in canceling the contract. When I contacted the dealership on Saturday they stated that they had no contact with the financial institution and that they did not agree to anything. I contacted the institution today and they stated that they have no knowledge of the letter that they sent you nor have let me speak with the dealership compliance department. For the contrary they are requesting for me to make the first payment of the vehicle that the due date was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Valentine and Kebartas, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone got my XXXX account information and used my XXXX account, Ive been trying all how to get resolved this with XXXX and they still behind me to pay this bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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: Was not notified of investigation status or results

Complaint:
I sent in a letter over 30 days ago requesting that incorrect information be removed from my credit profile. The company has yet to respond and provide proof that these inaccurate accounts were actually created by me. .Having these items on my credit report is negatively impacting me and it is frustrating and alarming that this company is not even putting the effort in to help me rectify this situation. Please assist me with this request.

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 2021-08-13
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: Personal information incorrect

Complaint:
I am a victim of identity theft and I'm trying to correct the inaccurate, incorrect and misused information on my profile multiple times. This company is refusing to fix anything and they claim it's been verified. I've asked for proof of verification, nothing has been given. I have shown proof of false information and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection ( {$3100.00}. XX/XX/2018 ) on my Transunion report was wrongfully placed on me. It actually belongs to my relative who used my address. I sent Transunion the debt collection notice & medical bill with my relatives name as proof but they still said the collection stands. I contacted the debt collector and even they had my relatives name instead of mine in their system. It seems Transunion was NOT really doing any investigation on dispute and was not willing to fix their error.

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 2020-07-01
Company: MECHANICS BANK
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Thank you for giving me the oportunity to submit this complaint through your portal. 
I want to dispute the following accounts with Mechanics Bank : 1 ) # XXXX, opened : XX/XX/2014, highest balance : {$150000.00} ; 2 ) XXXX, opened : XX/XX/2014, highest balance : {$150000.00} ; 3 ) # XXXX, opened XX/XX/2014, highest balance : {$150000.00}. 

This is the case : This company has been negligent and unfair. They are reporting totally different information across bureaus, and some otrher violations to the California Credit Reporting Act. 

Please send the attached documents to Mechanics Bank. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

14. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.

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 2018-11-05
Company: EQUIFAX, INC.
State: AZ
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 was a victim of identity theft and filed all of the necessary paperwork including the police report. I sent the paperwork to the credit bureaus and they removed the item from my credit reports. Subsequently, a collection agency bought the debt and attempted to collect on it as well as placed it on all of my credit reports after it had already been removed. So, I sent them a letter with the documentation showing that this was an identity theft item and as per the law, they should not attempt to report or collect on it. Once again, I had to send the credit bureaus documentation for it to be removed. I have been successful at having the item removed from XXXX  and XXXX, but Equifax refuses to do so. This is a clear violation of the law and I need your assistance in having Equifax rectify this problem and remove the item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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: Account information incorrect

Complaint:
XXXX / XXXX XXXX  Account was reported as missed payment XX/XX/2020. Which is incorrect. I paid for XXXX and XXXX on time for the {$41.00} that they told me to pay as I am out of work. I am paying as agreed.

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 2021-08-06
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Me and my granddaughter share an account at Navy Federal, I had to be out on the account because she was a minor at the time and they needed a joint signer so I signed up with her. We have this account opened for quite sometime, then one day I noticed the account was drained and I got a letter from Navy Fed telling me they will start taking money out of my other accounts if this is not paid. I spoke with them and found out an {$8000.00} check was deposited but we did not do this deposit. I disputed this with them and they said that I am held responsible. I also disputed the individual charges with Navy Federal and they keep claiming they never received my dispute documents even though I sent them twice. They also claim that they have video of the person doing this but they will not show me the video, or go after the person who did this. I have tried to subpoena the bank via the law enforcement officer I filed a police report with and even the officer will not help. We are a victim of fraud, we did not do these charges or deposit a bad check into the account. I need this resolved and my money given back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XX/XX/2021 I tried to get into my account and it logged me out so I tried to log back in and when I did it said that member services had suspended my account before suspicious activity so I called them and they want copies of driver 's license and a piece of mail with my name and address on it so I take them and I send them to them then I don't hear anything out of them for quite a while so I call and it just keep giving me the runaround and I can't get access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out loans to go to college in XX/XX/XXXX. Originally these loans were through Sallie Mae, the first two loans were cosigned by my father as I was not legally an adult yet so those have the lowest interest rates. After I turned XXXX, the loans were solely under me and the interest rates doubled. The total amount I took out in loans was around $ XXXX with the interest that I now owe, the loan balance is over $ XXXX. The interest is literally crippling not to mention impossible to pay. When Sallie Mae went bankrupt in XX/XX/XXXX they turned the loans over to Navient who made them private student loans, it is my understanding that they were originally federally backed. Thid would have made them eligible for income based repayment, consolidation and forbearance now they are not eligible for any of those programs available. I pay $ XXXX/mo in student loan payments when I make XXXX a year and they refuse to work within my means. The amount of money that I pay to them every single month does not even touch the interest that continues to bear on each of the loans which are all individually accruing at different rates. It has destroyed my credit and I am literally working backwards, it seems like there is no way out of debt or even a possibility to make it a manageable payment. There has to be some sort of feasible solution to make the payments affordable and to improve my credit, I pay on them every month and I am basically throwing the money down the toilet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Affirm Holdings, Inc
State: CA
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 no knowledge of this debt. I have asked to get proof of paperwork signed or anything that can prove this debt is mine

Company response to consumer: Closed with explanation