BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: PA
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:
Equifax failed to maintain reasonable procedures to ensure the accuracy and validity of the information they are reporting on my credit report regarding four accounts related to XXXX  account numbers all beginning in XXXX.I submitted a dispute because the information reported is invalid and inaccurate. Equifax confirmed this information. I submitted formal request for method of verification to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this investigation and it was received ( I have confirmation receipt which can be submitted ) on XX/XX/18. In compliance with the FCRA, this information should have been provided to me within 15 days and it has not been produced. Further, during this time, the accounts were indeed removed from my credit report and have since been re-inserted. I received no notification of the re-insertion of negative information as per my legal rights. These inaccuracies are hurting my ability to obtain housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2018-08-22
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXXXXXX XXXX assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX   should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark

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 2020-08-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act, I have right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a verification or proof of my mailing address but for VALIDATION made Pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX  ) this action might constitute fraud under both federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: U.S. BANCORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Consumer financial protection bureau case # XXXX Still unresolved I had taken a loan with XXXX through USBank, I was trying to pay the lien off as I had a buyer. Long story short was given misinformation and I spoke to the executive department about getting my wire transfer fee back, XXXX said to email her the charge, I did although the company misinformed me about doing a wire fund I too if the ACH I already paid. The wire transfer was sitting in the general ledger and never used to pay the lien off. I had to get that refunded back to me but it cost me {$30.00} on top of the misinformation from the employees which they have clearly written and accepted. However refusing now to reimburse me the {$30.00} that cost me the charge for wire transfer due to there employee wrong information to send.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
around XXXX, XXXX of last year I was scammed by a company that used coinbase as their main way of money transfer. I transferred around {$70000.00} to this online investment company named XXXX XXXX. I had advised coinbase of the situation, how it affected me financially and psychologically, but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2018-07-12
Company: Innovate Managed Holdings, LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me everyday at XXXX XXXX XXXX XXXX XXXX, repeated calls daily even after i arranged payments on XX/XX/XXXX and was told to call back in two weeks. On XX/XX/XXXX i received 3 calls in 2 hours from this company! Each time i answer its someone always saying they have to make a note because  they dont see the other notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Chase Sapphire customer supports keep following the wrong commands during the phone call. I can not have my credit score being affected when I, as the authorize user have yet to receive the physical card. I provided all of my correct information to the agent, they confirmed the address back, but it has been 3 weeks. We keep calling, they do confirm the right address, but then when we checked XXXX, they mailed it to the wrong address. So what was the reason for me to confirm my address 3 times. I have attached the shipment ( 3rd request ) down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Information belongs to someone else

Complaint:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS ACCOUNT WAS TRANFERRED FROM XXXX XXXX TO THE POPULAR BANK WITH ERRORS OF LOSSES THAT DO NOT BELONG TO THAT ACCOUNT. THE POPULAR BANK CAN NOT REPORT THAT NEGATIVE INFORMATION IN MY CREDIT REPORT BECAUSE I HAVE NEVER PAID WITH XXXX  TO THE POPULAR BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: NE
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 spent 2 hours on the phone with a FTC help desk agent today who confirmed the reporting for FTC theft reports are broken after realizing if a customer statement is lengthy and or has tax fraud that the formatting is spreading across pages. They included notes on the internal system but would not contact the credit bureaus to validate the reports and said it could be 60 days or more for a correction and theres nothing they can do for me and that the credit bureaus can check their internal system for the validation or call the help desk number. 

Credit bureaus ( Experian and XXXX  ) will not accept mine or my husband XXXX XXXX FTC Theft report for identity theft rights to enact FCRA 605 blocking. They are stating they are fake because the formatting is wrong. Ive talked to them, uploaded and received the same response multiple times that they wont accept it even though Ive told them its coming straight from the FTC website. I uploaded the information to verify the reports with the FTC and they said they dont and wont do anything like that and Ill just have to wait. 

The two will not communicate with each other to allow me and my husband to enact our FCRA 605 rights and have just disputed the items instead of blocking. We cant get an auto loan because of these fraud accounts being listed and not removed and Ive been working on this for a month. Please, please help.

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 2018-07-07
Company: Experian Information Solutions Inc.
State: PA
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 originally had a parents plus loan with XXXX XXXX now owned by XXXX the loan was in deferment and granted forbearance but the creditor reported the account 120 days past due on my credit report they did not notify me that the account was due until after the late payments reported on my credit report and the will not remove the late payment history the have no documentation of notifying me the loan was due or late how can I get this removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
XX/XX/XXXX I requested a rolling balance transfer through the Discover Messenging portal. I was  consistently refused, even though I had available credit of {$1300.00}, paid on time historically. I was referred to XX/XX/XXXX Pricing Schedule. Under 'Fees ', 'Transaction Fees ', Balance Transfer ', it states, Offer # 1, Intro Fee of 3 % of the amount of each transfer ... above. " AFTER THAT, 5 % of the amount of each transfer. ' -- This leads one to believe that 'rolling ' balance transfers are available from the XX/XX/XXXX promo offer of 14 months. Also, at the bottom is a 'cross cross ' symbol that says, 'See the terms of the applicable balance transfer offer for details. ' Well, the 'terms ' are not given, spelled out, or obvious any where in the 'Cardmember Agreement ', other than, pg 2 " How we include fees ... We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. ' and Pg. 3,  'Definitions ' '' Balance Transfer '' means a balance transferred from another creditor to your Account.= NO Where in Any Disclosures provided that 'Balance Transfers ' at 0 % are not available if Credit is Available or not rolling from the Promo of XX/XX/XXXX for 14 months. I've called several times in the last year and the 0 % for purch and balance transfers were active as rolling, expiring XXXX for purchases & XXXX for BalTransfers. Never presented as 1x 0 % offers, only 14 mo rolling offers that would expire as directlyprevious. 
ConsumerCreditViolations=Bait & Switch , Not Allowed to 0 % Bal Transfer until XX/XX/XXXX even though I have {$1300.00}. avail credit with missleading bal transfer credit & markting promo information. No where in any credit card info is the 0 % defined as not rolling for 14mo or missleading & a 'timed offer ', just to deny me even though I have avail credit on the card. Damages= Unable to bal transfer at 0 % from XX/XX/XXXX to the expiring XX/XX/XXXX discriminatory credit practices= I've paid more than Min Bal each month, on time & with avail credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: FL
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: Billing dispute for services

Complaint:
XXXX XXXX student loans are still shown on my credit report frm XXXX XXXX & This school is closed and no longer opened plus the loan comany has switched frm mutiple companies. Starting from XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
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: Investigation took more than 30 days

Complaint:
I had file dispute wirh equifax about the wrong info on my credit report multiple time but never recieved reply from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
someone may have stollen my identity my address is : XXXX XXXX XXXX XXXX, PA XXXX please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021 I sent money to someone through VENMO in the amount of {$1300.00} that turned out to be fraud. 

Venmo said they could not help and proceeded to pay out the fraud/scammer. They agreed to " investigate '' but in the meantime have done nothing for 2 weeks. Their customer service team passes me to account specialists who pass me back to customer service and " supervisors. '' They have been taking me in circles this whole time. 

I had to call XXXX XXXX  XXXX to block these charges. Meanwhile, my friends on venmo sent me money without knowing about my account investigation. VENMO proceeded to take that money ( {$200.00} XXXX to pay themselves back. Today, Saturday, XX/XX/XXXX, another friend paid me {$50.00} for a birthday collection and VENMO proceeded to steal that from my account, and sent me a bill saying " by the way, you still owe us {$1000.00} from the previous charge '' with no update on the fraud investigation. 

Anything that hurts their bottom dollar they are quick to to chargeback customers, but anything that they may owe goes through weeks of investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i paid my debt to XXXX XXXX XXXX, XXXX and i got a recipt for it i made a dispute to experian but it remain i dont know why y sent the recip of my payment to them

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 2020-08-22
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
GC Services Limited Partnership took out a debt collection for an auto loan. They sent me a letter dated XX/XX/2020 stating that I owed a balance to their agency, which is correct. However, since I received the letter notifying me of the amount due, they continually and repeatedly called both my personal cell phone number and my mothers cell phone. When calling my mother, they stated they were a Law Firm calling about my collection. She hung up and blocked their number. They then continued with persistent, annoying, and harassing phone calls that would begin as early as XXXX XXXX ( EST ) and continued throughout the day. I normally do not answer unknown/spam calls. When I would use call filtering to block their number, they would use another phone number from the same area code to call immediately after I declined the first call. I got calls from several local area codes throughout the day, as frequently as 3 or more times a day. ( Examples of numbers they attempted to use to contact me : XXXX, XXXX, XXXX, XXXX ) When I would answer, they never stated the company they were calling from or even stated their intentions for the call. I had already set up an online account to pay GC Services on a set schedule and they still continued to harass me multiple times daily about my outstanding debt. Their corporate number listed on the letter I received also never called me. Only random phone numbers from area codes nearby. I called on XX/XX/2020 to inform them that I currently lived in a different time zone and that I wished to not receive calls at XXXX ( PST ), which, in one week, they managed to call me at XXXX, XXXX, XXXX on multiple different days. I have phone records and time stamps to prove that. The representative stated she would make a note of it on my account. Since then, no further calls have been placed as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON XXXX XXXX I CALLED MY BANK TO WIRE MONEY TO AN ESCROW COMPANY, THE REPRESENTATIVE NAMED XXXX FROM THE WIRE DEPARMENT WAS VERY RUDE ASKING ME THE SAME QUESTIONS OVER AND OVER, SO I ASKED TO SPEAK TO A SUPERVISOR THE SUPERVISOR ASKED ME TO UPLOAD THE WIRING INSTRUCTIONS THROUGH EMAIL AND I DID.THE VERY STRANGE THING ABOUT THIS REQUEST IS THAT THEY HAVE RECORD OF THE WIRES SENT BEFORE TO THE SAME ESCROW COMPANY THAT PREVIOUSLY I HAVE SENT.WITHOUT ANY NOTICE THEY BLOCKED ACCESS TO MY ACCOUNTS INCLUDING MY CHECKING ACCOUNT MY SAVINGS AND ALSO MY CREDIT CARD.WHEN I CALLED FROM XXXX I DID NOT HAVE ACCESS TO BUY WATER OR GROCERIES TO EAT NAVY FEDERAL DECIDED TO TELL ME THAT MY ACCOUNT WAS UNDER REVIEW.I ASKED WHY AND THEY COULD NOT GIVE ME A REASON OR HOW LONG FOR THIS REVIEW. I HAVE NO ACCESS TO MY FUNDS I RUN A BUSINESS AND NEEDS THESES FUNDS IMMEDIATELY I HAVE CONTRACTS PENDING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Pinnacle Credit Services, LLC
State: NV
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:
Fraud account open with XXXX XXXX explained this but it was not fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Experian Information Solutions 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting an approval for Credit cards. 

The account listed below is not mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help me! Thank you so much. 


XXXX XXXX -XXXX XXXX  XXXXXXXX XXXX XXXXXXXX -NCB XXXX XXXX XXXX I I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXT 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