BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have the Home Equity Line of credit with Citizens Bank since XXXX XXXX. It 's an adjustable rate based on Federal prime rate. Initial rate is 3.09 % APR. I paid regularly and never late for my payments. I borrowed {$110000.00} initially but increase to {$160000.00} in XXXX XXXX to cover my boys student loans.. And now my balance is down to about {$130000.00}. This year they increased my APR 3 times- XXXX XXXX to 3,10 %, XXXX to 3.35 %, XXXX XXXX to 3.6 % .When I call consumer finance department of the bank - representative, XXXX XXXX replied that the rate increase is based on XXXX XXXX XXXX rate .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am  a U.S. citizen w ith a primary residence in  XXXX . I established an account with Coinbase with  XXXX  ID. I soon discovered that I was unable to withdraw funds that I had deposited due to Coinbase not having a " processor '' in  XXXX  to facilitate withdrawal. The only activity I was able to conduct was depositing funds via credit card. I have tried to re-register my account to a valid  US address with a valid US Drivers License countless times using all facilities and options available to me thru the Coinbase website and mobile app. EVERY attempt has failed. I have attempted this well over 2 dozens times. I have inquire with Coinbase Customer Support also countless times. The only current option to contact them is via a website contact form, although when I first started this effort, I was able to use email. Regardless of method, Coinbase response was almost always a preformed response which was never helpful and never addressing my request for help. Currently I have money in a Coinbase account and have no way of withdrawing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi This is my second complain against the company first issue never resolved. i spent hours with the companies to remove the hard inquiry which is due to fraud. My info was taken from XXXX  illegaly. XXXX and XXXX corrected fraud reports immediately but Transunion have not done anything. My credit score dropped because 3 different companies inquired my report without my authorization. Which I called TransUnion to remove. I explained to them that I spent hours talking and writing to those companies without result. I got punished for FRAUD? Wow what a company who just there to do nothing if customer not paying. My credit score is down because of that.

Note my complain stay until company not taking the time to correct and possible will file suit ....

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 2019-08-08
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reviewed the letter that Frist Point Collection Resources emailed me and that bill is not mine. I first want to start off by saying I do not live at XXXX XXXX  XXXX XXXX nor have I live there in 2017. In 2017 I was staying in XXXX, North Carolina. Secondly I never received services XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: AZ
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 a victim of identity theft : The following hard inquiries listed on my Experian, XXXX and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/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 2017-07-05
Company: Credit Karma, LLC
State: NC
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: Other problem getting your report or credit score

Complaint:
I check credit karma before I went looking for car. It said I had a XXXX faco score. But when I got to the dealership is said I had a XXXX from XXXX who is wrong. I would like to sue the reporting score that is wrong. This is more than a simple misjudgment this is almost 44 points. I rely on this to make a decision and it was not proper information. When I contacted XXXX they want to sell me a credit report that if I do not counsel will continue. Why ca n't I get the information I request without being ripped off. Do n't CFPB agency is supposed to stop this from happening. Why do n't someone do their job and stop this. Please give me the information, that I can go to and follow compliant with this agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: EQUIFAX, 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:
XXXX  {$300.00} & XXXX XXXX {$220.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a gift card for {$500.00}. XXXX XXXX XXXX card. The expiry date on the card is XX/XX/22. I have been trying for more than a month to activate this card but where ever I try the systems tell me that the card has expired. I have written to their customer service with no response. I have called them almost daily and held on for hours and hours to speak to someone with no response. In most cases, the call is cut off while holding.

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 2022-04-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I received a phone call from XXXX XXXX, XXXX at XXXX. I missed the call and returned it at XXXX on XX/XX/2022. When I spoke to someone, they asked if I was the " executor '' of my step-father 's estate, XXXX XXXX XXXX I am NOT, but told them that I was his step daughter. I confirmed his date of death, and they stated they were attempting a probate collection for his Sam 's Club XXXX. This card is being paid as agreed, by my mother, XXXX XXXX, XXXX XXXX 's wife. XXXX called me as a " relative '' and tried to get me to pay the {$900.00} remaining balance by threatening a lien on my mother 's home ( which I do not live at ), and threatening to put this debt on MY CREDIT REPORT. How they received my information is a mystery, and why they are attempting to collect on a debt that is already being taken care of, is against Florida Statute. They are also in violation of XXXX XXXX. XXXX. XXXX. Pursuant to Florida Law, I am asking for a {$1000.00} resolution to their violation to be paid immediately, or I will file a formal lawsuit against the company, where legal remedy will be much higher!

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 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX is reporting an account on my credit reports as paid charge-off from 2014 and they are reporting this account as if it was a revolving credit account, as they have been reporting as if I havent been paying a credit card account for 6 years every single month, in spite of this being a CHECKING ACCOUNT from 6 1/2 years ago! This is significantly impacting my credit score, as I literally have perfect credit otherwise, as evidenced by the attached screenshots. I have disputed their reporting more than 3-4 times and I always receive a pre-drafted auto response saying that the loan account is being reported accurately ( once again, this was NOT a loan account - it was a DEPOSIT PRODUCT ).

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 2017-07-05
Company: Experian Information Solutions Inc.
State: MO
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 XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXXXXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI 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 2022-08-25
Company: GOLDMAN SACHS BANK USA
State: NJ
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:
About a month ago I filed a complaint about fraud for two credit cards, one with XXXX bank and the other with apple/goldman sachs and I could only put one company in to file the complaint with so I went with XXXX to get that one started. That one came back as a fraudulent account and got taken care of. Now im filing for a fraudulent account through goldman sachs. It has greatly decreased my credit score and I didnt see it until last time I checked my credit score which is the same day I filed the complaint with XXXX Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: MO
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 XXXX has invaded my credit report by claiming that I owe an original debtor " XXXX XXXX XXXX " for something and the debt was incurred on XX/XX/XXXX,2017. First off, these two companies are one in the same. Secondly, it was never made clear who the original debtor really is, and third ; they may be attempting to refresh a collection and or charged-off debt from several years ago. I was never officially notified of by mail of any such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, my mortgage was supposed to be paid through USAA 's bill pay service from Account A.  The same day, I had scheduled a transfer from account B to Account A for the exact amount of the payment. Due to some kind of mixup, the mortgage was paid out of Account B. 
Rather than pay the previously scheduled mortgage payment out of Account B, my bank first initiated the internal money transfer from Account B to Account A, thereby leaving Account B with insufficient funds to pay the mortgage, and triggering a {$29.00} insufficient funds charge. 
When I discovered the problem on XX/XX/XXXX ( the previous day, my bank showed the mortgage payment had been " completed '' on XX/XX/XXXX ), the bank told me that there was nothing I could do to expedite my payment to my mortgage lender, and I was left to initiate a new payment to the mortgage lender out of Account A. 
On XX/XX/XXXX, I discovered that the mortgage lender had reinitiated the original payment from Account B, resulting in me paying my mortgage twice. 
When I asked my bank to reverse the payment, due to my having to pay a number of other bills with the money that went to my mortgage lender, USAA opened a dispute but said it could be weeks before it was resolved. I called my mortgage lender, which agreed to refund he second payment to my USAA Account A within a matter of days. 
My mortgage lender told me on XX/XX/XXXX that it had completed the refund to USAA on XX/XX/XXXX. However, USAA claims to have never received any refund. 
I made a complaint with USAA, which tells me it may take up to 45 days to resolve the issue. 
In the meantime, I am missing enough money that I will not be able to make my mortgage payment on XX/XX/XXXX. Meanwhile, USAA informed me on XX/XX/XXXX that it canceled my XX/XX/XXXX complaint at my request, which is untrue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
I have repeatedly contacted XXXX XXXX, XXXX, EQUIFAX AND XXXX, regarding this erroneous and fraudulent Bankruptcy that they continue to report on my credit file. I have sent in evidence that this bankruptcy - case # XXXX does not belong to me. Can your company please help me resolve this matter ASAP. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Brown and Joseph, Ltd
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XXXXI notified XXXX XXXX that I was not satisfied with the training that I was offered and confirmed XXXX XXXXXXXX XXXX XXXXXXXX that I could cancel my subscription and re-subscribe at a later time without consequences. I've had several conversation with since then and have been advised that the account is now in collections for XXXX XXXX.I am now going back and forth with Brown and Joseph The collection company as well as with XXXX  billing dept without success and have suffered a great financial loss as a result of not being able to work because my companies now only use XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Phoenix Financial Services LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A freeze was placed on my account on XXXX/XXXX/XXXX without me being notified, when I tried to get information on what was going on with my account on XXXX and XXXX, Chase would not provide me any information or detail. I was told that it was with the fraud department who I would need to leave messages for and wait for a return call. I called several times without any response from Chase, I then started calling a phone number that I was provided by a branch manager several times in a row until I got XXXX XXXX to answer the phone. She was not helpful and would not provide me any information on what was going on except that there was fraud on another account. My ex was linked to this account but has not deposited or used any of the funds in this account in over 3 years. All deposits have been my payroll direct deposits or transfers from other Chase account. These are 100 % my funds but Chase will not discuss the account with me or allow me access to my funds on XXXX all of the money {$550.00} was removed form the account without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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 belongs to someone else

Complaint:
There are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: OH
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:
Equifax supplied an answer to a complaint to the CFPB on XX/XX/2020 stating that they removed 2 credit inquiries on my credit report. One for XXXX and one for XXXX XXXX. to today 's date and after several phone calls to Equifax after they said these were removed they continue to post these inquiries that do not belong to me. 

They also continue to report bankruptcy which should be removed as the others have and even XXXX has removed it from their database. 

Also once again they have a suffix at the end of my name and I have no suffix. I have no issues with any other credit reporting agency except equifax. 

DOES ANYONE HOLD THESE INCOMPETENT IDIOTS ACCOUNTABLE FOR XXXX  WITH PEOPLES LIVES????? THEY NEED THE XXXX SUED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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 information incorrect

Complaint:
Unauthorized charges were done when card waa lost or stolen. Properly reported to goverment agency and all fraud affidavit and transaction reported and sent to XXXX instead of fixing problem they keept account open for several months charging hundreds in fees to their advantage. Then they claim to not received any papers from me or dispute feom me. The only time they reaponded is when your agency made them cooperate last time. Please help

Company response to consumer: Closed with explanation