BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-21
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:
I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
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: Information belongs to someone else

Complaint:
The credit bureaus are reporting erroneous information on my credit file

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 2018-07-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/2018, I received my second notice from XXXX XXXX that my Credit Score has dropped 30 points at a second Credit Bureau in the past week and I'm not sure as to why, the account in question has never nor is it currently behind. The Creditor says that they submitted the amount that is currently due this month and before I could pay it on XX/XX/2018, XXXX and XXXX   has dropped my credit Score by 30-60 points and I would like to know why? A Rep a XXXX said that it is because I exceeded 30 % of my total approved limit for that particular card and that Creditors do not want you to exceed that  amount because they feel you are in debt and you can't pay it back. I understand that, but, shouldn't I at least get a chance to pay it before I get a penalty? We had a situation with my car this month and I put the one time  charge on my card not knowing that I would suffer a penalty, isn't that part of what you get these cards are for? I wouldn't normally complain but this policy doesn't make sense, the bureaus say that this limit is designed to stop you from defaults but, if I have a low limit card ( say about {$3000.00} ) and it goes over a {$1000.00} I get a penalty. They say that you are High Risk of not paying it back but, if I have a card that is limited to say {$11000.00}, I can charge $ 3200+ and I'm fine and I'm doing a great job ( credit Wise ), even though I'm at a greater financial risk, Why? The government needs to have the bureaus explain this to consumers before you get this penalty. The Bureaus need to explain who and how these limits are determined. The bureaus are setting the limit on what you can use in any given month, SHOUD N'T THEY BE THE ONES APPROVING THESE CREDIT CARDS ALSO? What is the point of a creditor giving you a limit, if the bureaus aren't going to let you use it? The Bureaus have the power to destroy a persons life in seconds, but, once they give you a mark, it takes month to years to try and straighten it out, Why? The bureaus say that my credit standing is excellent, but I have a risk and usage level of only 30 %, Why? This is submitted as a General Use Statement and if you request further documentation, I can provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Should have received XXXX from XXXX, instead received XXXX BTC From XXXX : XXXX XXXX Address : XXXX XXXX XXXX  XXXX I filed a support case and contacted support a week later when I did n't receive a response. I XXXX at both the company and support XXXX accounts. Again, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: EQUIFAX, INC.
State: IN
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:
On XXXX.XXXX.2017 I initiated a dispute with Equifax concerning incorrect information within my credit file. After their investigation, they correctly removed two of the three disputed items. The remaining disputed item was being reported incorrectly. It was a state tax lien that has been paid. Equifax was not showing it as paid as the other credit reporting bureaus were. This item was not corrected.
On XXXX.XXXX.2017 I initiated a dispute with Equifax concerning the tax lien that was still not reporting as paid. I did at this time also include additional information concerning the removal of incorrect information and agreement that all XXXX credit reporting agencies mad with the National Consumer Assistance Plan. This plan states that liens without proper identification, social security numbers, consumers ' names and addresses, dates of birth or other federally mandated identification can not be included within a consumers credit report starting XXXX XXXX, 2017. All XXXX bureaus signed onto this agreement. This tax lien is being reported by a 3rd party, and not Equifax themselves. Equifax has not verified any information themselves, which they are required to due now. At the least, this lien is paid. At the most, this lien should be removed from my credit report. The other XXXX reporting agencies have removed it in accordance with the agreement between the National Consumer Assistance Plan and trhemselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: SUNTRUST BANKS, INC.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
An account was created in my name at SunTrust Bank. I've never banked there, have no desire to bank there. Each month {$10.00} in fees are assessed to this empty account. I have called and emailed and tweeted SunTrust but they refuse to or are unable to close the account.

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 2019-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has my cell phone number, email, and physical address but they keep calling my work line every single day after i've asked them not to call my job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: NY
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:
Greetings, I tried to resolve the problem with the credit bureaus but they don't want to investigate about my case. I have a lot of errors on my credit report that are affecting my credit score and I want to resolve that.

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 2017-08-05
Company: BTH Management
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a PLAZA SERVICES There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: U.S. BANCORP
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This complaint is on US Bank for failing to correct credit bureau reporting. I have been a customer in good standing with US Bank for at least ten years but have rarely used my card in the last few years. XXXX XXXX has had a history of charging my card without my knowledge after new vehicle purchase. It seems like the dealer might be providing my credit card information without my consent. This occurred in XX/XX/XXXX and XX/XX/XXXXand both instances were disputed and the charged amounts were refunded by XXXX XXXX. As a result of these fraudulent charges, my credit card went 60 days late as I was not aware of the charges and I do not use the card. The credit card company agreed the charges were fraudulent and reversed both late payments and the interest charged. However, they have not corrected the late reporting to the credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: AES/PHEAA
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Don't know what to do with the delay in getting back to you sooner than a decade ago when I was a kid in a few types of the best chance to win one of these things are going to have a great time in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
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: Investigation took more than 30 days

Complaint:
Please be advised that I have received your response which you have received from Equifax, regarding your case/file # XXXX. In your response from Equifax, they stated that they are still working on the issues in question, in which case, also please be advised that my dispute with Equifax was originally filed in the beginning of XX/XX/2018 Since that time, they have removed the fraudulent charges from my account twice, and corrected my credit score, and twice reapplied those same charges, and dropped my credit score again. If that weren't enough, they also reapplied charges to yet another credit card, which had been payed in full, and had previously been removed from their page. I don't know what the problem is there, but this has been ongoing for more than sixty days, and every time that I contact them, they always tell me to file yet another dispute. Also, please be advised that Equifax has not indicated that there is any form of ( current ) investigation in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i made the payment almost 2 months the company said sent information to equifax, i am trying to call to equifax but impossible login with my account i tried a lot times doesnt have solution, i did aplication to credit card and a loan to car but impossible equifax and the company terrible

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing is the servicer of my Mother 's mortgage account. Loan number XXXX. I requested on XX/XX/XXXX reinstatement figures to cure the back due payments and the loan was close to being referred to F/C per the SLS customer service agent. I called the customer service at XXXX on XX/XX/XXXX and was placed on hold for 35 minutes while the customer service rep provided the reinstatement figure of {$5200.00} through the XX/XX/XXXX payment. I requested the customer service rep 's name and was told we do not provide that information or their agent number. The call was recorded and verified by SLS on XX/XX/XXXX. I wired {$5200.00} to XXXX XXXX confirmation number XXXX. I called the following day on XX/XX/XXXX and verified with SLS that they did receive the wire. The rep confirmed on XX/XX/XXXX the account was due for XX/XX/XXXX. The loan was current. 


SLS called my sister XXXX XXXX ( authorized on the account as well ) and informed her that there was a mistake made by the customer service representative. The did not collect the attorney fees or inspection fees. I've attached the transaction history along with the wire confirmation of payment. You will see on XX/XX/XXXX the total amount of XXXX was applied then days later four {$15.00} inspection fees and interest and fees totaling XXXX was applied on XX/XX/XXXX after the wire payment for full reinstatement was processed by SLS. 

I'm filing this complaint due to the error and financial hardship due to the SLS customer service representatives actions caused. The loan is now showing in default due to this issue. I contacted SLS again and they indicated that no further action would be taken to resolve my complaint. I informed them I would be opening a formal CFPB complaint due to misappropriation of funds applied after the reinstatement was accepted and verified by their company. 

Thank you XXXX XXXX ( authorized party on the account ) XXXX XXXX - mortgagor Loan number XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2020-10-15
Company: OpenRoad Lending
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I reported o nXX/XX/XXXX that my Paypal MasterCard Cash card was stolen and never received. I was basically told they weren't liable and that I should file a police report and " hope '' that I get my money back. I was told I was going to out XXXX and tough cookie even though I was able to verify that none of the account info matched me, when I was at the time or my bank account. Even still I was told no dice.I received a letter 6 months later that stated that the follow : PayPal Important updates about your lost or stolen PayPal Cash Mastercard. 










XXXX XXXX, When a customer reports a card as lost or stolen to PayPal, per our standard process, we close the card immediately and issue a new replacement card with a new account number. This way, we protect your account from unauthorized transactions. 

As part of our routine system audit, we discovered that the PayPal Cash Mastercard ending in XXXX you reported with unauthorized transactions on XX/XX/2018 wasn't closed due to a technical error on our part. This error also prevented PayPal from shipping you a replacement card. 

Corrective Actions we are taking Since PayPal approved your transactions after the card was reported lost or stolen, we've refunded XXXX USD to your PayPal account. The refund will appear in your PayPal balance. This amount reflects all purchases that were made with the card after you reported it lost or stolen. If youd like an itemized list of the transactions being refunded, please contact our customer care center at XXXX. 

Additionally, were shipping you a new replacement card to the physical address you have on file : Your replacement card will have a new account number. So, please ensure to add the new number to anywhere you have the card stored for payments your favorite websites, utilities, streaming services, applications, and so on. 
On activation, youll also be prompted to create a new PIN. It can be the same PIN as on your previous card or something completely different. 

We sincerely apologize for any inconvenience. Rest assured, we take the security of your debit card very seriously, that's why we've reissued you a new PayPal Cash Mastercard. 

The PayPal Cash card team After being on the phne for over 4 hours after receiving the email, and bein transferred numerous times, and handled by several rude representatives, I was told my payapl account had limitations and there for had no answers to give me about how to retirive my funds. That I would no tever receive them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I noticed discrepancy while accessing online account and reported to the bank immediately on XX/XX/2019. This account was active for over 10 years and has had two account holders, family. It also had a direct deposit setup from XXXX and bill pay. 

Below is an automated response received. 
I followed up with a phone call to report that this account was closed by a local branch without the consent or notification to either of the account holder and we believe this is fraud. The ticket was opened XXXX with a followup within 24 hrs. 
Instead the online account, the card and account was completely closed. 
The account was unlawfully accessed and closed. 
Also, we believe this is a violation of The Right to Financial Privacy Act. 

FRAUD ( XXXX ) XXXX Mon XX/XX/2019 XXXXXXXX XXXX This is an automated response. 

This mailbox is not monitored 24x7, Thank you for contacting BBVA Compass Fraud Group : Customers who feel they have been a victim of fraud should contact BBVA Compass Customer support immediately at XXXX ( XXXX ) or our international line at XXXX. 

BBVA Compass will never contact you to request this type of information via email or text *** For Non-BBVA Compass customers please contact your respective institution Know the Sender - Open emails only when you know the sender. Be especially careful about opening an email with an attachment which could potentially contain a virus or malware Protect your confidential information - Don't respond to any email that asks for your password, pin, social security number, or other personal information Be Suspicious of any email that sends your information and asks you to update or verify it. 


-- XXXX XXXX

Company response to consumer: Closed with explanation