BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
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: Information is missing that should be on the report

Complaint:
information need to be put back on b/c I found out its mine so please add it back : was giving false informations : XXXX, XXXX. 
Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted + 'icon ' Deleted

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 2021-06-02
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: Public record information inaccurate

Complaint:
I have disputed this fradulent public record numerous times with the credit bureaus. XXXX  and Equifax refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have reached out several times to TransUnion and the other credit agency 's regarding several inaccuracies on my credit reports. Multiple letters were sent with the inaccuracies and a copies of the credit the report. 
I called TransUnion and was told they didn't have access to my credit report from 3 months prior and my credit score is computer generated??? All of this is confusing as these companies dictate how and where we live, what kind of car we drive and everything else we need to continue through our lives. The people I spoke to that represent these companies were not able to explain to me in a clear and concise way what the problems were. 

I am far from perfect and have made a lot of mistakes in my life but we are allowed to fix our mistakes. As I try to fix my history of mistakes I need my effort to reflect that. With these companies I have not experienced that reflection. For the first time in my life besides my student loan, I have less debt than I have in YEARS.!! Yet my credit score continues to plummet. I have several issues and I will send what I have on this computer but I may have to mail other documents. This has been going on for months. Any Help with this matter would be greatly appreciated. I just want to make sure these companies are being held responsible for there action as the control peoples lives.

I can't find a home due to all the inaccuracies, as you can imagine this is very STRESSful.

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 2021-06-02
Company: DISCOVER BANK
State: NJ
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 check on that and remove them from all the 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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: Old information reappears or never goes away

Complaint:
I never applied for or received this card.Where is the original signature and agreement

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 2018-05-08
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Gold Key Credit INC is trying to collect money from me I have never been affiliated with them.This is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
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: Personal information incorrect

Complaint:
Incorrect personal information on credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
After BarclaycardUS.com rejected one of our XXXX XXXX account checks [ with one of our vendors ] accompanying with the offer of 0 % promotional APR through at least XX/XX/XXXX, on XX/XX/XXXX. We called around XX/XX/XXXX to find out what was the problem when we were notified by mail. It is now after to the XX/XX/XXXX deadline for the offer to remain valid. Meanwhile, another 0 % APR offer arrived with a deadline of XX/XX/XXXX. The representative now asks us to file out the application online for the balance transfer to be honored. We asked if XX/XX/XXXX, the new 0 % offer could be applied to this application since we will not get a decision on this online application until after the XX/XX/XXXX deadline. The representative stated this new offer was good to apply to our online application and she would make a note of it in our account. After paying {$250.00} in fees for this approved balance transfer, we were shocked to learn on our first statement no promotional date was applied and we were being charged another 16.24 % interest for the vendor balance transfer due XX/XX/XXXX. We called again asked them why the new offer with a promotional date of XX/XX/XXXX, was not being applied and they stated that offer was not applied to the loan transfer and standard rates applied. I told them that someone lied to us then and we would not have made the transfer only to take our business elsewhere & pay another balance transfer fee. Our balance has been at XXXX for years and it would have remained at XXXX if what we were told by them while filing the online application was not true. Their response : They would not admit they lied to us and did not care if we found another 0 % offer with our over 800 credit scores. BarclaycardUS.com provided misleading facts during our application process and lacked in its fiduciary duty to lending to the public. They never came out and stated this application will not qualify for the new offer. We thought we had an agreement that included the new offer with a promotional date of XX/XX/XXXX, and 0 % until that date was reached.

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 2021-02-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
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:
This account US DEPARTMENT OF EDUCATION ( CLOSED ) is more than 7 years old. XX/XX/2012 XXXX XXXX  {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
As of XX/XX/2021 the following derogatory marks and collections were added to my credit report per XXXX, Transunion and XXXX reports ; XXXX XXXX XXXX Amount {$2800.00} XXXX XXXX XXXX Amount {$300.00} XXXX XXXX Amount {$560.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX- {$970.00} Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused bill at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to, has violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report 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 2021-06-02
Company: DISCOVER BANK
State: NJ
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 DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Money was overdrafted on the same day resulting in - {$12.00}. Wellsfargo immediately charged an overdraft fee without giving me a chance to fix it. Upon calling and asking for a first time waive, they refused and offered me a 25 % off. When I asked them if there was anything else they can do to help, the person ( XXXX  ) I spoke with threatened to recline the offer. I had no choice but to accept it as they explained the offer was one time and wont happen again.

I have been a Well Fargo member for years and they cant even extend a one time full waive. That is extremely insulting and shows they dont really care about their customer base. {$35.00} fee might not be a lot for them, but for someone who lives paycheck to paycheck, it is a weeks worth of food.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/20 my account with Chase was restricted. My online access has been blocked. I can not make payments on my balance because of this. I can not purchase anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have covid ... I went to the bank and told them that through the intercom in the Drive-Thru and they refused to give me a replacement debit card! They were screaming the fact that I had covid over the loudspeaker loud enough for everyone in line to hear it ... .and when I called the bank they weren't even able to handle it ... the manager of the bank was hanging up on the customer service person. It was unprofessional and XXXX. I have been a customer for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
regarding account XXXX which you claim I owe {$68.00}. 
This account is unknown to me. 
I have reached out to the furnisher and they are unable to validate this debt as 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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 called transunion and XXXX customer service I Informed them that I had some unknown negative inquiries on my report that I needed removed Immediately. I was put on my phone with Multiple customer service reps and supervisors letting me that the inquiries would be removed in 72 hours which was False information which is why I am now putting in this complaint because I need these 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 2021-06-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I called in Activate my credit I them the code and they say it was wrong it was not AND they had the wrong number they said they would contact me in five days by letter and they have not. I called and had the number correct and it still has the wrong number.

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 2021-06-02
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 did not consent to authorize nor benefits to any of the following account 15 usc 16802 ( p ) & 15 usc 1028 ( A ) 1. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Coinbase, Inc.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I saw a notification on my phone from Coinbase saying my two factor authentication had been changed. I logged into my Coinbase account and everything worked fine. I went back to reread the notification and could not find it. Thinking this was strange I contacted Coinbase customer support to see if they had sent the notification. I was asked me to explain what had happened in an email, which I did. Coinbase then locked my account. I did not lock the account. It is now 19 days later and I have no access to my account which has a very substantial amount of value to it. I have no idea if my funds have been frozen, or if they are going up and down with the flow of the market. I can not buy, sell or remove my assets from Coinbase. After numerous attempts to reach Coinbase, the only response I get from them are canned or blanket emails saying they will get back with me in 4 to 5 business days, which has passed many days ago. As far as I can tell they have no customer support at all. I trusted them with tens of thousands of dollars and they wont tell me a thing about what is going on with my money. Coinbase seemed to be a great company up to this point. Not being in control of your assets is a horrible nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02
Company: Earnest Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Earnest - the student loan refinancing company - is refusing to stop sending me mail offering their services. They are IGNORING my opt out notice which I have put in place three separate times. I have contacted the company to tell them this several times. They ignore my requests mostly and respond rudely when they choose to answer. They continue to harass me with mailers at my home address. 

XXXX CEO : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i was going to a XXXX, that was located in XXXX in XXXX, Ar. and they were using my XXXX insurance i paid the estimated out of pocket the first date i had the treatment. couple months later, this branch had closed i didn't need anymore treatment. 
i had to move to another location because i had some plumbing problems at my house. so i had to move out temporary to my sister in law house. and i forwarded all my mail to the new address in XXXX since i left which was in XX/XX/2017. in XX/XX/2017. i saw a collection on my from professional XXXX XXXX that was oppened. i called them the same day and i told them that i was never notified of this and that i have money on my health spending account. and i don ;  t understand why they didn't contact me or send me a letter informing so i can make the payment. 
they advised that if i make a full payment of the XXXX dollars. they will remove it. i paid on the phone right away. 
they never removed the collections from my 3 credit bureaus. i disputed the collection with each of the credit bureau. it was removed from XXXX, and XXXX. but they don't want to remove it from XXXX. i have never owed a bill to anyone and i paid religiously all my bills i disputed this collection with transunion multiple times. and they keep telling me that creditor said that it's accurate. 

i'm reaching out to you guys to please help me remove this from my credit score. i always paid all my bills i'm never late. i'm a young person working hard to finish my degree and success in life. this is not fair. these credit companies are treating humans like insects we all deserve to be respected and this people are extremely rude and not helpful at all. they hang up the phone on me everytime i try to call them to correct their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-30
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a new complaint against TD Bank. The issue of discrimination was not addressed by the bank in my prior complaint # XXXX. 
My husband and I applied for a refinance of our primary mortgage in XXXX/2020. The process was delayed, communication was poor and multiple requests for the same information was used to delay the processing of our application. Given my field of work, I was able to respond within 24 hrs for all requests. However, this process was significantly delayed and TD Bank purposely allowed the rate lock to expire by not handling our account expeditiously. There are many documented emails to this effect. This delay was purposeful and we are highly qualified applicants who indicated that we are XXXX. This discriminatory practice should be sanctioned. The only outreach from TD Bank regarding this situation was after the above complaint was filed, conspicuously the day the complaint reached the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Resurgent Capital Services L.P.
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Liberty Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I had a call from a XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX. That they were sending court order papers if I didnt pay. They called my daughter, employer and other family members. I called back XXXX was rude and I then asked when are you apparently filing what you say, she could never tell me. I called back she hung up on me. I called again and XXXX answered. XXXX said we will be filing, I said ok I'm trying to find out for what and tell me when. She could never tell me either. She said welcome to the real world. I said thank you, yes welcome to the real world. I do not appreciate their phone call to everyone especially my employer. The number they called from was XXXX and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-02
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from 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 Account Number : XXXX This is not mine. 

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

3. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

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

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

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

7. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 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 non-monetary relief