BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: PNC Bank N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Multiple instances of online account access being down. Impossible to access account information through either the website or the mobile app. No explanation provided by bank other than a vague notice that the website is not accessible at that time. The worst website reliability I have ever seen in a banking website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Winklevoss Exchange LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX  won't allow any virtual currency withdrawals despite saying the funds are available, and past the " cooling off '' period. Company requests increasingly inconvenient methods of verification and despite all being provided, no response or action taken. Money is shown in account, available, currency can not be withdrawn despite all normal procedures and verifications done as well as all additional verifications requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT
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:
In 2019 I filed a loan modification that was approved. I was put on a trial payment arrangement with a signed agreement. I made all trial payments and my modification was fully approved. The lender has since reported all trial payment months are late, no payments on my credit. I contacted the FHA and my attorney and they confirmed that it has to be reported at " paid as agreed '' because I made the payment it was just a different payment based on our NEW agreement. Now 2 years later and in a better position I want to refinance and can't because they are reporting late payments ILLEGALLY!!! I have disputed it based on my contract and 2 bureaus have updated but transunion wont claiming the original creditor is telling them not to which is ILLEGAL. It has to be reported accurately which is that I paid an agreed upon amount.

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 2019-06-18
Company: CAINE & WEINER COMPANY, INC.
State: GA
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 are two accounts on my report in collections that do not belong to me. They are Caine and Werner and XXXX XXXX XXXX. I have never had car insurance with XXXX and I have not ever had a XXXX XXXX account. Not only that but they were reporting these accounts on my credit report multiple times with different companies which is illegal. I need you to please help me get this removed. This is fraud. I have attached my police report as well. I look forward to this being resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX XXXX attempted to collect on a debt that was not mine and could not be legally validated pursuant to the FDCPA. This company has utilized two different collection agencies for an alleged account with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I went through my statements and went through the process of reconciling my statements with the receipts I had and I noticed there were charges that I did not authorize. After identifying all of the purchases I did make and filtering out the ones I didn't make I called my credit card company on XX/XX/2019. The process of reporting was straightforward, however I did get some push-back as to not to call transactions fraud but to dispute them. I told the woman on the phone that: no, these are not disputes and they are fraud since I did not authorize them. When everything was finished the representative finished the process and I saw the credits on my next bill, I had to call back to report some she did not include or did not show until the next statement. On XX/XX/2019 a letter was generated and sent to me saying that all the charges I reported I benefited from. I thought that this was ridiculous and I called right away to have the case researched thoroughly and for a second time and I asked them to contact me with any questions and or to please provide me with any documentation they could bring up so that I may dispute if necessary. I received nothing and I thought all went in my favor. Then on XX/XX/2019 a new letter was generated and said that I still benefited from the fraud. I called again to get answers and all I received was: that a representative researched the claim and that they will not move forward with another evaluation unless I can provide documentation such as a police report, which is impossible as I did not live in the country in where most of the fraud occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is my XXXX  attempt to rectify the problem. 

I opened an account with Citizens and met all the promotional terms for a {$400.00} promotional bonus. They admit that in writing to me. However, they are saying that I was a signor on a different Citizens account opened on XX/XX/2022 which negates my ability to obtain the promotional bonus. I never opened the account they are referencing on the attached letter with Citizens. I would ask that they provide documentation showing I opened the referenced account with Citizens or pay me the {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 -- -- -Equifax -- 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
Consumer complaint received 2022-12-28
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: Their investigation did not fix an error on your report

Complaint:
I revisited my credit file and to my dismay, I see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my right to dispute and take proper legal actions against any inaccurate and missing information in my report. I am asking you guys to perform a logical investigation on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: National Credit Adjusters, LLC
State: SC
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:
This has already been disputed with Cash Central claiming no fault but would delete it from ALL 3 Credit Bureaus., NOT just ONE. XXXX and XXXX still show, but XXXX says closed but it's still affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
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: Public record information inaccurate

Complaint:
This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. 
I filed bankruptcy in XX/XX/XXXX for misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXXXXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX XXXX ) Account : XXXX ( XXXX ) Account : XXXX ( XXXX ) Account : XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-06-18
Company: EQUIFAX, INC.
State: UT
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 XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: U.S. BANCORP
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Back in XX/XX/2022, I noticed USBank has an online AD shows they provides a {$400.00} welcome bonus offer for new personal checking account ( needs to complete recurring direct deposits that total {$4000.00} in first couple months ) I opened checking account via USBank 's website with Promo code " XXXX '' on XXXX, and start using this new personal checking account as my salary direct deposit account. 

By now, I already made more than XXXX direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. 

I contact USBank customer service more than 5 times in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.

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 2022-04-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Date Opened : XX/XX/2019 XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$760.00} XXXX {$1200.00}

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 2021-04-29
Company: ALLY FINANCIAL INC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/XXXX Purchased Hearing Aids from XXXX XXXX  through Ally Lending for {$7500.00}. XXXX XX/XX/XXXX Notified Ally Lending I was returning the hear aids so the money could be returned to Ally lending, Ally Lending assigned a dispute case # XXXX and a case manager XXXX XXXX. I tried to return the hearing aids in person but XXXX XXXX refused to take them back and refund the money. I sent them back with a certified letter and I sent the hearing aids back by registered mail. I sent all receipts to Ally lending along with the reasons for the return. Alley denied my request. 
My only income social security {$10000.00} a year. 
I have sent a complaint to the attorney genera : file # XXXX XXXX XXXX XXXX email : XXXX XXXX XXXX XXXX third party XXXX 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 monetary relief
Consumer complaint received 2021-04-29
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
A few days ago XXXX suddenly stopped working on my phone so Coinbase recommended I disable my account and go through a security check to make sure in which I complied to.

At this point, I am unable to log in to my Coinbase account in which I have a lot of funds put into. For a few days, it was like that and I was getting anxious. I submitted a Help form to see if they can resolve the issue but it was just an automated robot answering my needs which were not helpful at all. I posted on XXXX, XXXX, and XXXX to try to get a hold of them but they would keep on ghosting me. 
Today in the afternoon, however, I received an enlightening text that I was able to access my account. 
Brought to my dismay, when I try to log in to the app, it says there is a connection issue and every time I try to quit the app and try again, it would be the same thing. 
Now, I try to access it onto my computer, which directs me to another site where I have to verify myself with a photo ID, which does not seem complicated. 
However, it has been trying to verify my ID for the past 10 hours when it would say it would take a maximum of five minutes. 
I emailed them multiple times again and took my anger to XXXX and still nothing. 
Their customer support does nothing and I have important funds I need access to before the end of the month!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
- Never received written validation notice from XXXX XXXX XXXX ( XXXX ). 
- XX/XX/XXXX_ Received a text and email from my credit monitoring company that there had been a change on my credit report. I checked online and XXXX had placed a collection notice. I called XXXX and they informed me that XXXX XXXX  XXXX XXXX ( XXXX ) had contracted them for the debt collection. 
- XX/XX/XXXX_ after several voice mails, I was able to talk to XXXX in the billing dept. at XXXX. Was told they had sent a monthly bill and after 9 months sent my account to XXXX. I never received a bill from XXXX and my address, email, and phone number had not changed since the original visit to XXXX. Still no written validation from XXXX since I contacted them 11 days ago. I called XXXX and they told me that my address given to them from XXXX was for XXXX, VA which is not correct. I went ahead and paid the debt over the phone thinking the collection notice would be immediately removed. 
- XX/XX/XXXX_ called XXXX and asked that they send me all the information that they had in my file. 
Still have not received the required written validation notice, have not received written confirmation on my payment and that it was for my acct. at XXXX, and collection notice is still visible on XXXX web site. XXXX never notified/contacted me before placing a collection notice on my credit report which will not be deleted for 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/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 2021-04-29
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! LVNV FUNDING LLC ( put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that LVNV FUNDING LLC ( verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If LVNV FUNDING LLC ( is unable to provide the above identifying account information, this account must be deleted from all CRAs. LVNV FUNDING LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation