BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: OH
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:
On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days, so those accounts should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Home Depot Credit I was denied card due to " Unable to verify identity information '' I found another name on account " XXXX XXXX XXXX '' this is not me!!! Iam 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 explanation
Consumer complaint received 2022-01-20
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
Ive sent a letter via certified mail to Navy Federal Credit Union last month concerning various factors that resulted in the improper reporting on my XXXX Credit Report. First, in the state of Alabama the statute of limitations for an open and liquidated account *credit card* is 3 years. This time has elapsed so by law this negative charge off account and all of it remarks should be removed from my XXXX report. I disputed this with XXXX and the account came back as verified and accurate. Based on the law, i requested a copy of documentary evidence to prove that i owe this debt and this has not been received. No documents were signed by me, therefore my FCRA rights were violated. There was no legitimate business purposes. Navy Federal Credit Union has failed to respond to my certified mail inquiry timely, and furthermore i am requesting this negative account to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: One Source Technology
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX CR XXXX this case was won in the appeal court and i was released seeing how i am getting credit reports and what not i was sentenced to 8 years XXXX that would put my release somewhere in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I've been with coinbase for almost a year and never had any trouble transfering money. 
A few months back coinbase asked me to verify my identity with a drivers license, ID or passport. I've tried to verify it about 70 times but each time without luck. It's been a few months since i've been able to withdraw or deposit money. Theres about XXXX in XXXX on this account. So i would like to be able to manage my account. 

The verification doest work, coinbase says that my date of birth doesn't match the one on my id, drivers license or passport. But it does. I've changed the information on my profile plenty of times and again without succes. Even got a new drivers license but without luck. 

Hopefully you guys can help me out. 

Kind regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on Oct 30, 2019 and the subsequent response received on Apr 18, 2020 enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my 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 explanation
Consumer complaint received 2021-07-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The name of the company is They claim to pay something that was no authorized by me and want me to pay a claim telling them that I didnt know this person or Authorize any payment to the person my Respond to them is to How can I pay something if the money is not there for me to pay it Why would I Authorize payments that I dont have money for i never even use this account Please send me Copies of these payments that you claim you made to this person that was on authorize By me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21
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: Information belongs to someone else

Complaint:
The information reporting seems to me that it is inaccurate, therefore I believe that this information is reporting illegally and is not compliant. I would like to have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I had my name legally changed on XX/XX/XXXX, and updated with the Social Security Administration XX/XX/XXXX, and officially with XXXX XXXX ( my student loan agency ) on XX/XX/XXXX. They have submitted my updated name on the reports every end of month since the update- as I have been told on XX/XX/XXXX, around XXXX XXXX  EDT. My ID was changed as of XX/XX/XXXX. I had previously, on multiple occasions, contacted the company to try to get it processed, yet nothing has come of it. I also had opened a complaint using CFPB, which was marked as resolved, with a note that the name was already changed, and that my old name was not attached to my new name. This information I was provided was false. I got a report after I had recieved the email that it was closed and resolved, which does not state my updated name, and has two instances of my previous name, which I will attach the front page of. I have attempted to file a 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 non-monetary relief
Consumer complaint received 2019-12-24
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Paypal Mastercard by Synchrony Bank has a continual ongoing problem, posting my payment correctly, or at all. I have several accounts managed by Synchrony, yet, this one account has an issue ACCEPTING my payment. This month was the worse ever and has cost me over {$50.00} in interest and late fee, and according to the representative today, a 30-day late applied to my credit report, which I still do not understand. Payment was due XX/XX/XXXX, and today in XX/XX/XXXX, that is not 30-days late. Representative stood me down, that 30-days starts from the date my previous payment was due. 

WHY?!?!??! does Synchrony follow a completely different set of rules than any other financial provider? 

I was told today that Paypal who is now owned by Synchrony, per the representative today, had a " known payment application problem '' - yet still wants me to have my bank send proof my payment could not be sent and without such I am not entitled to reimbursement of fees and interest. WHAT A XXXX. 

Just refund my finance and late fee, REMOVE any false reported 30-day late, as I was because off KNOWN PROBLEM, 16 days late, but only found out today, when I got a text message to " get your account back on track '' - I thought what the heck? Back on track, I have no balance, well little did I know. 

And honestly, if you Synchrony hates their consumers so much, let me know, so I can take my business elsewhere.

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 2017-08-23
Company: LendingPoint Holdings LLC
State: TN
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:
Lending Point, XXXX and XXXX have all 3 sent me " loan denial '' letters. I HAVE NOT APPLIED for a loan with either of those companies and DO NOT want it to reflect on my credit score. I am having to rebuild my credit after going through a divorce and I do not need erroneous hits on my credit report. I have contacted all 3 companies and explained all the above to them. I would appreciate action being taken to remove these inquiries from my report. Thank 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 explanation
Consumer complaint received 2019-12-24
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX-XX/XX/XXXX I had a checking account with J.P. Morgan Chase Bank and between those dates I transferred approximately {$6900.00} into my account only to have it closed after I was done and still havent seen any of my money almost a month later

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Originally was not able to access the bank account and spent a lot of time on hold trying to access the account eventually filled a cfpb complaint. PNC never resolved account access issue so I decided to close the account. 

Multiple calls over 2 months to try to close the account several hours spent on hold each time. 

XX/XX/XXXX Officially closed the account with PNC and the " check mailed '' according to PNC. 

XX/XX/XXXX Called to follow up on the check and was on hold for over an hour. Said check would be to me in XXXX - XXXX hours and a XXXX would follow up. 

XX/XX/XXXX Manager neer followed up and check still not received and now filling cfpb complaint for the second time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
ReconTrust ( Headquartered in XXXX XXXX, CA, ReconTrust is a member of the Bank of America family of companies. XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX ) was a debt collector foreclosing on my home and by the time we were able to get this stopped they had added about {$20000.00} to the balance of my loan without providing comprehensive itemization for the sum provided in the loan modification " ReconTrust is a foreclosure trustee that is legally required to act as a neutral party on behalf of both the lender and the borrower while conducting foreclosure proceedings in good faith and in accordance with the law. '' XXXX XXXX   XXXX However, Recon Trust refused to respond to our communications, refused to acknowledge funds paid and instead stated that we had not paid though we had documentation to prove otherwise.

Recontrust violated : 15 U.S.C. 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.

ReconTrust subsequently had sent us notice of Trustees Sale noting that unless we cured the balance due it would be sold at public auction and at the local court house the auction was posted on the public bulletin board. The unpaid balance was different than the balance that we believed due by about {$20000.00} in charges that were not itemized.

ReconTrust also stated in the notice that it was a debt collector attempting to collect a debt and that any information obtained would be used to collect the debt. The notices sent to us by ReconTrust contained misleading information regarding the amount due and alleged owed.

The unitemized summary balance was used to modify the loan raising the balance approx. $ 22-24,000 higher than the balance we understood due and owing at the time. 
But we could not get anyone to talk to us. Even a local realtor volunteered to assist us in calling them on our behalf but could get no response. 
ReconTrust was listed as a Trustee but acted only as a debt collector and refused to respond to my calls, thereby assisting BAC in what I have continue to believe was fraud regarding the issue of the additional amounts added to my original loan 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 2018-05-31
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have recently been informed that there is negative information reported by XXXX in the file Equifax maintains under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing for a closed unpaid medical collection account ( account # XXXX ), opened XX/XX/17 in the amount of {$73.00}. 

My address should read : XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
TAKE OFF XXXX XXXX IN MY ADDRESS. I DO NOT LIVE IN AN APARTMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2018 The Receivables Management Services sent my final insurance bill to collections without an opportunity to pay. When I made the payment, I was told the account would be deleted from my credit. I also spoke with a supervisor on XXXX and was told the collection would be removed from my credit as a courtesy based on everything going on, along with this derogatory mark on my credit preventing me from getting a home.

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 2022-10-03
Company: Shellpoint Partners, LLC
State: VA
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:
Please see my " feedback '' to the lack of accurate response from New Rez to my complaint. It appears that the CFPB just takes the word of the bank without verifying the information. New Rez has ruined my XXXX credit score and I am unable to get it fixed. Their customer service is horrible. The deposited a payment in XXXX of 2021 and did not credit it toward that months payment. They did not notify me of their mistake until the end of XXXX and by the time I send the XXXX payment ( which then was a double payment for XXXX ) they had already reported a 30 day late. They would never respond to me personally after XXXX year of trying. They finally responded to the CFPB without answering the question of what happened to the payment made in XX/XX/2021. I promptly paid off that mortgage after I realized how bad the service was. I would like to get my XXXX XXXX restored. Please see the attached file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello, On XXXX XXXX, 2021 I sent a letter via USPS Certified Mail to Transunion questioning the accounts being reported on my consumer credit profile. I believe the accounts being challenged on my credit report are reporting illegally and inaccurately. Transunion has not resolved my problem as to why these accounts are still reporting nor has the said creditors. It has caused a tremendous damage to me as a consumer and why I can not move forward in my work field nor apply for a home with my children. I know by law Transunion has taken a grave responsibility in ensuring the accuracy of consumer credit reports. I am a protected consumer and I believe my rights have been violated and that Transunion should block and remove these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
**PLEASE REVIEW ATTACHED DOCUMENTS** This complaint is in regards to my student loans that are managed by XXXX They manage 13 of my XXXX and XXXX XXXX XXXX loans. I could not locate the loan numbers for each loan, but have included a picture of the loans listed in my XXXX account. At the beginning of XX/XX/2022, XXXX falsely reported that my student loans payments were 90 days late. This dropped my highest credit score XXXX points and devastated my credit that I have been diligently building for the past several years. When I called XXXX to inquire about why they had reported my payments late without notifying me first that they were due, I was told that my loans were put into deferment and reporting as current. I called XXXX on 3 different occasions about this matter and each representative told me the same thing. They assured me that my credit report would update and show the correct information. My report did eventually update to show that my loans are current ; however, I still have the negative marks of being late 90 days on 13 accounts! This has tanked my score and I am unsure why XXXX would have done such a thing without at least notifying me first. I know that I am federally protected against billing errors made by companies. I am also covered by the law that mandates information that is reported on my credit report must be accurate. XXXX failed to uphold both of these laws. They did not adequately notify me that some of my loan payments had resumed nor did they inform me that they would be reporting them as late. I have never been late in the 20 years that I have had student loans. This issue has severely disturbed me and has negatively impacted my life for the past 7 months. Each primary credit reporting agency, Equifiax, XXXX, and XXXX are also complicit in XXXX illegal practices, because I have informed them that this false information should not be on my report. Please assist me with resolving this problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
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:
I filed a complaint with CFPB after discovering that I was a victim of credit fraud when I realized the incorrect data on my credit report which consisted of fraudulent accounts, charges and inquiries and as a resulted lowered my credit score so low that Im not able to get credit with anyone or a loan. My credit report shows that I have eight closed accounts and some which have a higher balance than the credit limit and 4 student loans that are bring deferred and arent late. All this fraudulent or incorrect information is causing my credit to suffer.

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