BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My husband died this year. I sent the attached letter to Equifax because I wanted a freeze on his credit and I wanted his credit report marked as deceased so it could never be used fraudulently. They told me to include 2 forms of id for me and my husband, so I included copies of our driver 's licenses and passports. I aslo included his death certificate. I called today because I had not heard from them. They told me that I had to send all the information again along with a power of attorney in order to get a reply from them. Like they don't keep a file of anything. This is ridiculous. We want to reduce credit fraud. It should be much easier to report a person 's death. The credit bureaus should accept a notice from the funeral parlors. If social security accepts a notice from the funeral parlor to stop payments, why can't credit bureaus have an easier process to prevent thieves from stealing a dead person 's identity. It is also ridiculous to require a power of attorney before informing a spouse that her deceased husband 's credit account is secure. This is an issue that should be addressed by the government. Protecting the deceased from identity theft should be an authomated process and should not require multiple communications with each credit bureau and lack of cooperation from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received a letter about a card for my unemployment during the month of XXXX. When I didnt receive the card, I called an spoke to a rep who said that he was putting a replacement card in the mail on that night ( XX/XX/2020 ). I still have not received the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: Google Compare Credit Cards Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was victim of a scam perpetrated with Google Play cards. Fake lawyer instructed me to purchase {$2000.00} ( 4x {$500.00} ) cards on XX/XX/18 to send him codes which he will then convert to cash to use for bail money : my grandson being XXXX. Once I determined scam and refused to send I was left with uncashed/unredeemed cards- Unable to use. Google refuses to redeem or cash, restricted use to only digital games/movies and can not be used for Google hardware. As an XXXX year old Senior can not use {$2000.00} for digital games The Google play cards thus became a vehicle to laundering money by fraudsters and render Google an ac cessory to scam by refusing to cash or buy back from owner.

Have contacted Google Play CS onXX/XX/XXXX- thjey are totally inflexible about buying back cards or exchanging for something of value.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was a member of the government shut down, I asked that late payments be removed due to that fact. Comenity Bank denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I subscribed to Experian credit monitoring service for a month and then discontinued the service. I only wanted to use the service for one month and was n't interested in continuing the service on a permanent basis. After two months I decided to check my credit report because of something I received in the mail from a business. When I tried to log into my existing account, I was denied entry and was prompted to pay a almost {$50.00} price to log into my account to check my credit report. Basically, Experian never cancelled my subscription like I asked them to after using the service for one month. After contacting Experian telling them i have not used their paid service over the last two months and that I still ca n't because they are requesting that I pay them {$50.00} to even log into my account, they advised me that I needed to pay the {$50.00} first. I will not pay for a service that I have not used and is unable to use.

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: PNC Bank N.A.
State: NE
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
Please reference previous complaint filed with XXXX XXXX XXXX, case # XXXX. The bank has issued a response dated XX/XX/XXXX. Please note the response does not address our original complaint. 
A summary of the previous submitted complaint : An IRA CD was taken out with XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. The amount of the IRA CD was $ XXXXPNC later took over XXXX XXXX XXXX Notification was never received from PNC Bank as to the disbursement of the IRA CD. In checking with other institutions there is additional paperwork required to transfer, close this type of an account ( IRS rules for and IRA CD ). Previously PNC was contacted in an attempt to locate my money. PNC was unable to locate any records of the IRA CD.  Instead PNC responded with reference to two other savings accounts. THIS IS AN IRA RETIREMENT ACCOUNT. PNC can not simply use the excuse there is no record of the account. It is incumbent of PNC to make sure there is proper paperwork for an open IRA CD. Justification would have to be made for IRS purposes to to track the location of IRA account dollars. It appears PNC " lost '' our money. Bottom line we have the paperwork it was an IRA CD. PNC should be required to produce their paperwork to justify they no longer have the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I own a small amount of bitcoin currency ( approximately XXXX BTC ), and on XX/XX/XXXX, I transferred this amount to my Coinbase.com account 'vault '. On XX/XX/XXXX, ( and again on XXXX XXXX ) I tried withdrawing these funds from my Coinbase vault, but due to a bug or glitch in their website I am unable to do so. I have been emailing their support repeatedly for 3 weeks now with no success. My funds ( worth over {$1000.00} USD ) are stuck in their website, and I have not received any response from their Support since XX/XX/XXXX, despite sending them SEVEN ( 7 ) additional inquiries via email since that date. I have received a total of three ( 3 ) responses from their support, between the dates of XX/XX/XXXX, but these were completely automated and/or boilerplate responses that provided no help whatsoever. I have not received an update or even courtesy response in over two weeks. 

According to their website, the withdrawal from vault process requires two ( 2 ) approvals which are sent via email to the Primary and Secondary emails listed on the account. The problem or glitch in their website is that they have the SAME EMAIL listed for my primary & secondary email addresses ; However, I only receive a single approval email, and thus I am only able to provide a single approval instead of the two ( 2 )  approvals needed. This coupled with their lack of support is completely unacceptable. 

I do not know why they have my same email address listed for both primary & secondary email, nor why that is even possible, and there is no way to fix it or change either address when trying to do so through their website user interface. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
For 2 years I have paid my monthly bill on time and in full. Recently was in between jobs and had a gap where I was able to make weekly payments instead of one time monthly fee. 

XXXX Payment was reported for being late even though payments were being made XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I also answered phone attempts by XXXX XXXX during this time period where representatives agreed verbally on a recorded line to give me one week to complete my payment which would have taken me over the 30 day mark, those payments were made and paid in full.

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 2019-10-02
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: Account information incorrect

Complaint:
Hard Inquiries receivved are Mortgage Loan inquiries and the companies had stated that in no way will it affect my credit report or show up as a hard inquiry.

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 2018-05-25
Company: CITIBANK, N.A.
State: MO
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 tired to make a purchase on XX/XX/2018. I called Citibank credit card and they could not verify my account through the phone number I gave them. They said they would send a verification letter in the mail. 3 weeks and several phone calls and I still cant use my card, pay my bill, log into my account, or even report the card stolen. They asked for another credit card number to verify. I gave them my XXXX XXXX  card number that Ive had over 3 years. They still couldnt verify my account. They are doing nothing to resolve the situation. I got my bill in which I cant pay but no way mail to verify the account. I asked them to send an email. They wouldnt do that. I cant make a payment or report the card stolen and I am worried they will try to make me pay a late fee.

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 2018-05-25
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: Account information incorrect

Complaint:
XXXX XXXX has not reported my payments since XX/XX/2017 and I pay every month on time.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please see the attached information as I am disputing the inaccuracies as seen on all three reports.

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 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was a member of the government shut down, I asked that late payments be removed due to that fact. XXXX XXXX denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with 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 2019-10-02
Company: Ad Astra Recovery Services Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was a member of the government shut down, I asked that late payments be removed due to that fact. XXXX XXXX  denied my request and closed my account after I paid it off due to having another past-due account. The bank sold the account to a third-party company ( XXXX XXXX ) that keeps putting the debt on my credit as well as the bank. It says the account was opened XX/XX/2017 ( 1 yrs, 9 mos ), I never signed any contracts with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2019 I mailed a debt verification letter to Equifax and XXXX  asking them to please send me proof of how did they verify this debt that was put on my credit profile from from XXXX XXXX. I have yet to get anything from them. According to the FCRA they have 30 days to respond to my request with true and accurate information. They have yet to do this. This inaccurate information is hindering me from purchasing a home. I demand that they Delete the inaccurate information off of my account immediately. They have not proven to me how the account has been verified, validated and nor if this is even my account. 

I also sent a letter to XXXX XXXX XXXX asking them to validate the debt asking for specific information to be sent back to me and they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Specialized Loan Servicing Holdings LLC
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: Account information incorrect

Complaint:
I had a mortgage loan with Specialized Loan Servicing LLC. It was paid in full. Its still on my credit report as not paid. I cant get it off. Loan # 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 2018-05-25
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have an open acct with XXXX XXXX. 
I do not owe any money to this company.

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 2017-12-02
Company: TRANSWORLD SYSTEMS INC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX my husband paid Transworld Systems Inc ( TSI ) the full amount to pay off a medical debt and one other account that they said that I owed. My husband verified that this satisfied all debts owed to TSI, and was told that it did. However, the account continues to report to my Credit Bureaus. I requested disputes with XXXX twice ( thinking that XXXX and TSI were the same thing ) - both times the balance changed, but only by small amounts, and the account stayed on my report. We contacted TSI on XX/XX/XXXX and spoke with an agent. We advised them of the situation, gave them the confirmation number and the date and amount of the payment ( which we have the records of ). We were told that the account was paid off and that they would remove it from my credit and send us a letter stating that the account was paid in full. We have not received the letter and the account continues to not only report on my credit, but to also increase in balance each month. TSI has had 5 months to report the account as Paid in Full. Instead, each month, over the last 5 months, they have reported the account delinquent and increasing in balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is a fraudulent card opened in my name. I believe it may have been opened by a family member/ex-wife to gain credit. I never authorized this account to be in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-06
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: Account information incorrect

Complaint:
The FCRA applies only to the 3 main credit reporting bureaus -- XXXX, Experian, and XXXX. ... XXXX, Experian, and XXXX  are legally obligated to provide identical information Upon review of my XXXX  and XXXX  report it states under Account summary : account ever late 3. That information is inaccurate. Looking at the report in the detailed view there is only 2 late payments.

Per XXXX  report the payment history is unknown for XXXX XXXX. So there should not be 3 accounts late when XXXX XXXX  payments are not able to be verified. 

Per further investigation I am requesting that information being reported by XXXX XXXX  be verified based upon accuracy. XXXX is showing no payment data. XXXX  is showing 17 late payments reported by XXXX XXXX. Experian is showing 16 late payments being reported by XXXX XXXX. 

Experian is showing 2 accounts ever late. XXXX  is showing 3 accounts late as well as XXXX. But under XXXX  and XXXX  only 2 accounts are displayed I do not see a 3rf account in the detailed view.

I have submitted disputes about accuracy and I am not able to get anywhere. XXXX I do not see where the fairness lies per FCRA.

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: Nelnet, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that nelnet be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as nelnet is doing illegal collecting and reporting practices

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: AMERICAN EXPRESS COMPANY
State: PA
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 rewards from credit card

Complaint:
After waiting for almost three months now from my first complaint on XX/XX/2019, the membership reward points transfer to airline still does not work for my American Express account, as I tried today, XX/XX/2019. 

I did apply for a new Platinum XXXX XXXX card on XX/XX/2019, but that was a month and a half ago from now. American Express claimed that this was the reason that caused a delay on my Membership Rewards review in their response to my second complaint on XX/XX/2019. But I have paid all the spending in full, fulfilled the spending requirement for the card opening bonus, and also paid the annual fee in full. 

I do not understand why this is taking so long, and what American Express is reviewing. I requested American Express to provide me with information that I can help them to understand my spending and the estimated review end date in my second review I submitted on XX/XX/2019, but they failed to provide me with such information I requested in their response. 

I have been a loyal American Express customer. But since their response without helpful information to my second complaint, I have switched to use other card providers more than American Express cards. As I mentioned in previous complaints, I have been planning for a vacation, and reward tickets go out of stock fast. If this frustration continues, I will reconsider if American Express cards suit my credit card needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions 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:
I have attempted to contact the following bureaus XXXX and Experian regarding unauthorized inquiries on my credit bureaus. They have been negligent in aiding my getting this corrected on my credit reports.

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