BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 ; XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2017-12-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan with this company and the finance charge and interest was not what was stated to me. I have not signed any of the documents electronically. I want them to clarify the {$100000.00} insurance policy and payments made to agency that I was unaware of until I was able to read some of this contract that I have yet to electronically sign. As well as a title of my vehicle for loan, in addition to the {>= $1,000,000} dollar LIFE Insurance policy. Why do I need all of this on me for a {$7000.00} dollar loan? I was charged double finance charge and interest on this loan. This occurred on XXXX XXXX, 2017. I am a XXXX years of age and have been in the military. I just recently retired with 33 years of XXXX and military service. Please advise. I appreciate your time and concern with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I placed a call to PNC bank which is the provider of my XXXX XXXX prepaid debit card. I called in order to launch a dispute over a charge that occurred on XX/XX/XXXX in the amount of {$390.00}. I was told that the process could take up to 45 business days and that a provisional credit would be credited to my account within 10 business days if they determine the dispute would take longer than that to resolve. Since that day I 've called multiple times in order to receive status updates and have been told nothing has been done yet with regards to the dispute. 

I once again called today XX/XX/XXXX and I spoke with XXXX in the disputes department at approximately XXXX EST. I was informed by her that the process of investigating the dispute is still on going and that I would not be receiving any provisional credit within 10 business days like was previously stated. I informed her the 10th business day would fall on the XX/XX/XXXX due to holidays and that I had been told by that day I would receive a provisonal credit if the matter was still under investigation. XXXX then informed me that she was told by another associate ( perhaps a supervisor ) that on the XX/XX/XXXX they would mail out a letter to my home address stating the decision theyve reached with regards to the dispute and said letter could take another 7 business days to reach me. I again asked about the credit and was told that I would not be receiving that provisional credit. I  informed XXXX that said act is in violation of the terms of service of my PNC XXXX XXXX card and goes against federal regulations with regards to disputed charges and the legally allotted time for a credit or decision to be determined. 

It seems that PNC bank is willfully violating federal regulations as well as their own terms of service contract with their clients in this instance myself. I am attaching a copy of the PNC XXXX XXXX terms of service which clearly indicates that PNC will issue credits within ten business days of receiving a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
At XXXX  XX/XX/2022 on bank : fifth third bank, N.A. ( XXXX  ) Routing number : XXXX Account number : XXXX Tranfer money {$790.00} to XXXX  XXXX XXXX Account number : XXXX Routing number : XXXX Still passing thOse days and no refunded my money to the same account of ( XXXX  ) I call to XXXX supper every day contact them to find results to refund my money. 

I call XXXX  XXXX XXXX and there cant give me information of that account but is not my person all account XXXX  XXXX XXXX say call wisely support to give refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX suntrust was aware I was moving my auto loan to another bank due to issues with suntrust. XX/XX/XXXX the car was refinanced and they were paid off by check in full for the entire loan amount. 
On XX/XX/XXXX my checking account was offset for XXXX dollars for the loan after the loan was paid off in full. Then they told me that they wouldn't reverse it. The loan was paid off in full of XXXX But SunTrust still debited my checking knowing the loan was already closed and paid off on the XXXX th. I have screenshots showing it was paid and they knew it was because they sent the pay off to the new bank. This is scamming someone's checking account to make extra funds. I want my money and also extra back for the trouble.

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 2017-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I applied for a loan with XXXX XXXX XXXX and learned that multiple inquiries were listed on my record. I have not and did not authorize the companies listed below to extend credit. Please remove the inquiries identified in my file. 

XXXX XXXX XX/XX/XXXX / XXXX Account XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX/XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-11-20
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified consultants inc has made contact with me again attempting to collect a deb that I have no idea about and do not owe. They have XXXX XXXX XXXX as the creditor they are collecting for and I currently have no past due debts with XXXX XXXX XXXX and all old accounts with them have been paid. I previously had this issue with diversified and they sent a letter stating that they were collecting in error and would cease all contact and remove all listings they may have entered from the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: Experian Information Solutions 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:
Experian is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. ) I have contacted the bureau to remove this however, I have not been successful.

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 2020-01-12
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I used the Experian web site to place a credit freeze in the past. In XX/XX/2019 I was unable to place a credit freeze on their web site. I sent a letter as instructed by their site and received no response. I have sent communications to Experian asking them to enable my credit freeze on their web site. When I try to use their app they want to bill me {$9.00} a month to use their " Experian Credit Lock ''. The other two credit bureaus offer this service for free on their apps. Experian is not granting the free credit freeze which is required by law. I am asking the CFPB to take action with Experian.

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 2017-11-20
Company: Experian Information Solutions Inc.
State: OH
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 have sent numerous letters to the three credit reporting agencies and also the companies involved asking to remove inquiries. I keep getting the run around credit bureau says to contact customer who put the inquiry on, the company says they ca n't remove to contact the credit bureau. 

None of these inquiries have been marked as disputed on my credit report, I do believe these are supposed to be verified just like any other thing on my report that I dispute.

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 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have sent numerous letters to the three credit reporting agencies and also the companies involved asking to remove inquiries. I keep getting the run around credit bureau says to contact customer who put the inquiry on, the company says they ca n't remove to contact the credit bureau. 

None of these inquiries have been marked as disputed on my credit report, I do believe these are supposed to be verified just like any other thing on my report that I dispute.

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 2018-03-17
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I am writing this email in regard to the coinbase class action lawsuit pertaining to the miserably failed launch of the BCH USD Trading pair on Coinbase / XXXX. I lost funds during the debacle and would like to know how it would be possible to become a part of the lawsuit. I wrote several emails to XXXX support and was hung up on twice by support staff when they refused to answer my questions. They even referred me to a " rule '' in their terms of service stating that they could halt trading on the exchange as they seemed fit, this rule was added AFTER they screwed up the BCH launch. 

This is an excerpt from the message sent to them : " I placed an accidental buy market order on BCH instead of XXXX with all the funds available in my account ( Approximately {$12000.00} ). This was my mistake, yes. Had it occured on a normally traded pair such as LTCUSD or ETHUSD, I would not have minded the slight loss of my error. Not even a half a second after I realized my mistake, I attempted to sell out and XXXX halted trading knowing full well that over 2k BCH had been sold and bought at manipulated prices. 

When trading opened today at XXXX PST, I frantically attempted to sell in order to salvage what was left of my funds and managed to cash out at ( XXXX XXXX ) which left my account at {$6600.00} for a Total loss of {$5700.00}. All because of a failure to make sure there was enough liquidity in the books before opening a new trading pair. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Kentucky Higher Education Assistance Authority
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'm not sure if my issue is with private or Federal loans, bc I'm not getting straight answers and they have failed to show me that they can prove validity of the loans with MPN  or any other legal documentation showing where I was even told my loans were in default and my taxes were going to be offset. XXXX XXXX XXXX XXXX had my taxes offset last year and took {$6700.00} and even though I explained that I was experiencing severe financial hardship and was in a XX/XX/XXXXthat I had planned on escaping with my daughter that was XXXX with the money they took and I begged them to return it and asked what I needed to do to make that happen.i set up payment plan that day and emailed everything they asked for.never heard anything from them.the it's sent me a letter saying my offset was no longer in place so I called Kentucky higher education and told them about the letter I had received and asked when I could expect a reversal of the offset. They couldn't give me an answer.i was forced to continue to stay in the XXXX   situation bc of a terrible fall causing XXXX XXXX  the week prior to my offset and I couldn't go back to work.that fall alone should have showed severe hardship but it didn't I guess. Well in XX/XX/XXXX I was XXXX very badly and my XXXX   was XXXX and XXXX XXXX XXXX XXXX, XXXX and XXXX from head to toe.my daughter and I left and we're transit for a couple months under an order of protection from XXXX  and relocated to Florida. I called again to see if my situation warranted a reversal yet, the answer was no. They claim they didn't receive my paperwork, omg I have emails to prove it.i was forced to reconsolidate inXX/XX/XXXX to avoid my wages being garnished and my XXXX license taken due to default. I got a letter from Kentucky higher education after calling them asking why my credit report didn't show a payment for the XXXX that they took and why were they still showing me making payments on time when I was under a payment plan that they set up and got automatic drafts so I know they were paid on time.they gave me some crazy excuse and said that if I continue to fight for the money I lost with the offset that they would put me back in default bc they would sue me for that money if they were forced to refund it, bc once I consolidated and my loans were paid off, it didn't cover the money already credited, but had they returned it to me like they should have prior to the consolidation, the new loan would have covered all of it. And the loan in question is a loan from XX/XX/XXXX-XX/XX/XXXX but they show a XX/XX/XXXX date and I didn't reconsolidate or anything then. But that's around the time they claim default but my credit report shows of me making payments to them up until they took my money. So none of it makes sense but I think they fraudulently took my money and failed to return it causing me to suffer even more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Bread Financial 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 belongs to someone else

Complaint:
Good day, My name is XXXX XXXX XXXX and the reason I am writing to you is to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: EQUIFAX, INC.
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:
I believe that my personal info has been compromised and used to obtain credit cards and loans of such sort I was advised to submit these forms in order to get these issues resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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 have a credit card on my credit report with these 3 credit bureaus, they are reporting my XXXX XXXX XXXX  XXXX XXXX card account as negative when it is in a positive exceptional payment history status and is in good standing, I contacted the creditor which they admitted it was an error on thier part And corrected it, and applied the 6 payments to the 6 months that were missing because I paid my bill off early for the year, they also informed me they were going to send a letter stating my account was paid up and is in a positive status, which the credit bureaus investigated and closed the account still reporting it as negative, they need to change it to an exceptional payment history,. I have attached the letter sent to me from the credit card company for XXXXXXXX XXXX XXXXXXXX  stating my account has been paid on time and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Affirm Holdings, Inc
State: MT
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 sent AFFIRM a letter on or about XX/XX/2021 & as of todays date, AFFIRM has not responded or resolved the issue. I had a AFFIRM loan in great standing that was paid in full on our about XX/XX/2021. I obtained another loan from AFFIRM on or about XX/XX/2021 and they have failed to report the current/outstanding loan to the credit Bureau & report all of my on-time monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion continues to display inaccurate information on my credit report. specifically stating my employer is XXXX XXXX. I have disputed this information multiple times. Every time Transunion comes back with some bogus excuse. This time they said that my dispute was illegible. How can it be illegible when it was typed. A copy has been attached to this complaint. Also a copy of the bogus letter the sent me is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: EQUIFAX, INC.
State: TX
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 continues to report fradugelent accounts on my credit report after receiving a police report & identity theft report. These accounts do not belong to me nor do I have any knowledge of who they belong to. I sent all requested documents in months ago without any changes. Please remove XXXX XXXX XXXX XXXX and XXXX from my report. The following inquiries should be removed as well because I did not apply for any of these XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX/XXXX, XXXX XXXX and these inquries should not be on my report XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation