BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-26
Company: BARCLAYS BANK DELAWARE
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:
i placed an order with XXXX XXXX on XX/XX/19 {$110.00} using my Barclay 's credit card. I did not hear from XXXX so began emailing them on XX/XX/19 and 2 other emails ; no response. I then called phone number and got a recorded it was disconnected. I immediately called Barclay 's to report a fraud. They acknowledged my dispute with a letter on XX/XX/19. Subsequently, i did receive a package from XXXX but it did not contain the correct size i had ordered ( i ordered a womens size XXXX and got some type of extremely small size that i could not even pull up over my thigh, and i am XXXX '' weigh XXXX ), and i rec 'd this package after i filed dispute, after i emailed the company to stop my order. i suspect the company shipped whatever was on their shelf after i filed the dispute. on XX/XX/19 i recd a call from Barclays, who said they could not help me on the dispute and were processing the charge because the client shipped something. nevermind that what they shipped was not correct and their phone number is disconnected and they dont ' respond to email. all disregarded by Barclays phone rep, XXXX with Barclays said i had to take it up with XXXX XXXX. Well, how can i do that, no phone number and no email address. i think they are bankrupt or something. why would barclays not do a charge back for a clear fraud situation. they could have shipped me a toothpick and barclays says well they shipped you a package, so now you have to resolve. makes no sense. surely we have better consumer protection laws than this. why would Barclays ' support fraud by paying them. anything i can do?

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 2021-11-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For the past few months I have been disputing inaccuracies on my credit report. The asset amount XXXX, Equifax and XXXX is reporting on the bankruptcy on my credit profile does not match any public records. No proper investigation was done into this matter because this information continues to report inaccurately. They are also reporting the wrong liability amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX agent XXXX telephone XXXX did a hard inquire on my credit and my wife 's credit without my approval.

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 2019-05-06
Company: EQUIFAX, INC.
State: MI
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 AM FILING A COMPLAINT TODAY AGAINST THE CREDIT BUREAU EQUIFAX. I RECENTLY FILED A DISPUTE WITH THIS CREDIT BUREAU REGARING A CREDIT CARD THAT WAS OPENED DUE TO IDENTITY THEFT. I FILED AN IDENTITY THEFT REPORT WITH THE FEDERAL TRADE COMMISSION AND SEND THIS INFORMATION TO EQUIFAX INCLUDING A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, PHONE BILL, AND A LETTER ASKING EQUIFAX TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT UNDER THE LAWS OF SECTION 605B OF THE FCRA. TODAY I CONTACTED EQUIFAX TO FOLLOW UP ON MY DISPUTE AND WAS TOLD THAT MY DISPUTE WAS REJECTED AND THAT EQUIFAX DOES NOT BLOCK FRAUDULENT ITEMS FROM CREDIT REPORTS. I AM NOT SURE WHY EQUIFAX IS NOT ABIDING BY SECTION 605B OF THE FCRA BUT THIS IS CAUSING ME SERIOUS FINANCIAL HARDSHIP BECAUSE I AM TRYING TO CLOSE ON MY HOME MORTGAGE. EQUIFAX IS IN VIOLATIONS OF THE FCRA AND I AM EXPECTING A RESOLUTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11
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: Information belongs to someone else

Complaint:
I was a victim of identity theft due to a data breach with taxpayer.com in XXXX. My personal information was compromised causing the following fraudulent accounts to be established in my name : 1. XXXX XXXX   XXXX 2. XXXX XXXX In addition the following inquiries are fraudulent on my credit file due to identity theft breach. 

XXXX XXXX For Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Card Inquiry from XX/XX/XXXX I have attached my necessary law enforcement documents. Please have fraudulent items removes from my credit file immediately.

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 2020-05-01
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: Account information incorrect

Complaint:
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.

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 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently disputed a tax lien from XXXX County filed and paid in XX/XX/XXXX. The date paid is incorrect. This is the only credit bureau out of the 3 that have not removed this inaccurate information from my credit bureau report. I spoke with an overseas representative last month and received a new credit report that states this information will remain until XX/XX/XXXX! 

I contacted the company and they advised me that they are not reporting this information to any credit bureaus. This should be removed from my credit bureau on XX/XX/XXXX. This is reflected on XXXX and XXXX and not being reported currently. 

Thank you in advance. 

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 2020-02-11
Company: Experian Information Solutions Inc.
State: MI
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 applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. XXXX  XXXX XXXX has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. XXXX  and Experian have fixed some of them but XXXX  has not fixed any of the errors.

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 2020-02-11
Company: EQUIFAX, INC.
State: MI
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 applying for income-sensitive payments that required my tax returns. For some reason, the loan system could not connect to the IRS electronic system and it takes months every time I have to recertify. XXXX  XXXX XXXX has listed it as late during these periods when it should have listed as in deferment. It shows these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as being late. It is incorrect. Equifax and XXXX have fixed some of them but XXXX  has not fixed any of the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello, I just sent my money ( {$15000.00} ) to XXXX XXXX XXXX to deposit in my coinbase account to trade digital currency ( X/X/2018 XXXX ) as far as i know the money i sent via XXXX  XXXX supposed to deposit into my coinbase account in 2-3 business days and the money is still not deposited in my coinbase account i guess the coinbase company could n't verify my identity so i would like to my money back but i could n't contact to coinbase company because they use automated answering machine. 
please investigate this case thank you this is the an account i sent bank name : XXXX XXXX XXXX bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Rounting : XXXX Account : XXXX recipient name : Coinbase, Inc recipient address : XXXX XXXX XXXX, # XXXX, XXXX XXXX CA XXXX Reffence : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Problem with XXXX XXXX XXXX XXXX. I do n't have an account with XXXX XXXX XXXX my credit score was above XXXX and today it shows below XXXX. They said I had a account with them so I paid it off years ago and closed it. Then they reported a mulitple deliquent activities and lowered my score after I closed it. I have never had an account with them. Why now would they report delinquent activity after it has been closed. I was in escrow so I had to do something about it. It was never my account. I reported it through them and have not seen any results. Now Im being punished for someone else. Once the account was closed they reported it as being delinquent muliple times and hurt my score. I have always been in good standing with all my credit!!! PLEASE HELP ME GET MY CREDIT BACK!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was a victim of identity theft due to a data breach with XXXX  in 2018. My personal information was compromised causing the following fraudulent accounts to be established in my name : 1. XXXX 2.XXXX   credit card 3.XXXX credit card. In addition the following inquiries are fraudulent on my credit file due to identity theft breach. 

1.XXXX XXXX  XXXX XXXX Please remove all fraudulent items from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
Dates and amounts are contained in the attached files. In summary : I had my eyes checked at the XXXX vision center, ordered lens from them. Could not use them, they gave distorted and blurry vision. The XXXX XXXX XXXX scheduled another eye test, got it and they ordered new lens. The vision from this second order was worse than the first. I notified XXXX Store Management and they just shrugged and offered no resolution. I called NFCU and said I want to dispute the XXXX charges, repeated in excruciating detail all that had happened and asked if they needed the location of the store. I was told that they had all they needed. Shortly thereafter I received a letter with a form in it. I filled out the form and sent it back to them. My wife then gets a letter with her credit card number on it saying they are not going to dispute the charge because she did not return the form in time. I did, the delivery receipt is attached. I also received a letter, with my credit card number on it, with a bunch of checked boxes indicating what forms were required. All documentation detailing this is attached as files. It appears that these credit card people are in total disarray and are throwing up their own administrative obstacles in an attempt to NOT resolve this credit card dispute with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under our social security number and by the look of it this person that stole our identity was not able to pay the things opened under our name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$20000.00} XXXXXXXX   XXXX {$510.00} XXXX/XXXX  XXXX {$510.00} XXXX XXXX {$20000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$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 2018-01-09
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
In XX/XX/XXXX I applied for a XXXX at Barclay 's. They subsequently issued a XXXX XXXX to me in XX/XX/XXXX. However, I did not apply for the XXXX nor did I authorize a second credit inquiry. This is the history of the inquiry. 
Brclysbankde Inquiry from XX/XX/XXXX Bank Brclysbankde Inquiry from XX/XX/XXXX I phoned Barclay several times in XX/XX/XXXX to request the removal of the second inquiry. I kept calling and was finally told to write to the specific department. I was told it would take 30 days or less but I wrote to them in XX/XX/XXXX and have not heard anything. I followed up with the bank and was told that the department could not be reached internally or externally and they suggested I write again. It 's been two months since my first inquiry. I have spoken to several managers, written to them - all to no avail.

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 2017-07-30
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:
I have a fraud alert on my account as a result of my personal information being compromise and a police report due to someone using my information to try to obtain credit cards..there are over XXXX hard inquiries on my report that I did not make..I am requesting that they are removed from my file as soon as possible..I am interested in buying a car and need all inquiries removed in order to do so.Thank you.

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 2018-01-09
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: Public record information inaccurate

Complaint:
I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XX/XX/XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XX/XX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.

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 2022-01-14
Company: Service Finance Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In response to complaint ID XXXX What is the next step? 

I refuse to pay for a product that I did not receive. I have a signed contract and renderings from XXXX XXXX of what we agreed on. Nothing was done correctly. Not the floor coverings, not the walls, not the paint, not the room sizes, not the ceiling heights, not the fixtures, not the missing shower bench, not the missing show niches - NOTHING. 

I find it very self-serving that Service Financial can not provide a recording of an alleged voicemail for a {$15000.00} loan agreement while I am able to archive and review the hundreds of voice mails, text messages and emails between XXXX XXXX XXXX XXXX. 

XXXX XXXX employment was terminated after this project and we believe that it was due to the fraud he committed with this project. 

It is now clear to me that not even the owner, XXXX XXXX, was aware of the promises that his employee made in writing to me. ( See email dated XX/XX/XXXX - Page 10 of XXXX XXXX Request Attachment package XXXX ). In that email XXXX XXXX admits that he does not have a copy of the contract that he signed off on to Service Financial. 

Service Financial provided me a bill that shows the final payment was released prior to the project being finished. ( Page 6 of XXXX  CFPG Request Attachment package XXXX ). First payments of XXXX and XXXX were paid on XX/XX/XXXX and XX/XX/XXXX to start the project. The final payment from Service Financial was not to be paid until the project was completed per my contract with XXXX. The project was never finished. 

Somehow XXXX XXXX convinced Service Financial to release the funds early and without my knowledge. Service Financial released the funds without even talking to me. I was not aware that XXXX received the money until I got a bill in the mail. 

When I brought the fact that I got a bill from Service Financial in the mail to the contractor, I was told that I had to pay the bill or XXXX  would stop working on the project. I was XXXX  and looking at a construction mess in my home with a contractor telling me that he would walk away with my down payment if I stopped paying Service Financial. XXXX XXXX kept insisting to just wait until the finished product. Every time I would bring up a problem he would threaten to quit and told us to wait until he was finished. I waited 8 months for them to finish a contracted 6 week project. They never completed it. 

The builder owes us money because the project was not done on time and not completed to specification. 

By releasing the funds before the project was completed, Service Financial left me with no leverage to get the job done correctly. The contractor took the money and gave up. 

Again, I ask Service Financial - What is the next step?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received two hard credit inquiries on my TransUnion credit report from XXXX. The first was on XX/XX/2019 and the second on XX/XX/2019. I did not apply for anything from XXXX, so this was fraud. 

I attempted to contact XXXX XXXX times. The first time, they said they couldn't do anything and to contact TransUnion. 

Today, I called and they found an account setup under my name. However, they still would not help me get these incorrect credit inquiries 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 2019-04-26
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: Personal information incorrect

Complaint:
Another name is showing up on my credit report. Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, again 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX and 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief