BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
FILED A DISPUTE ON XX/XX/XXXX CREDIT AGENCY STILL HAS NOT FINISHED THEIR INVESTIGATION WHICH PER THE FAIR CREDIT REPORTING ACT, SECTION 611 ( A ) ( 5 ) IF YOU CAN NOT VERIFY THE INFORMATION WITHIN THE 30 DAY TIME FRAME YOU MUST DELETE ALL THE DISPUTED AND UNVERIFIED ACCOUNTS.

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 2016-08-01
Company: BlueChip Financial
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/XXXX, I was contacted by SpotLoan about {$800.00} dollar loan. I verbally said yes. In haste I did n't understand how high the interest was. 

The percentage on repaying is 228 %. Sine XX/XX/XXXX, I have paid the {$800.00}. But now I will be paying {$40000.00} until XX/XX/XXXX. 

I receive XXXX in the amount of {$1200.00} per month. I receive SNAP in the amount of {$16.00}. My rent {$560.00} per which includes some electric and cable. 

As of XX/XX/XXXX I a paying the high interest, which I can not pay. Due to the low amount of food stamps, I used part of my XXXX, for food, medicine, and supplies. 

Plainly, I can not afford to pay {$400.00} until XX/XX/XXXX! 

Can you please help me?? .y Controller of Maryland told me to contact your group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This is not my debt.

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 2021-05-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I contacted Experian to dispute the following inaccurate account on my credit file. 
XXXX # XXXX XXXX they completed their investigation stating an update to my credit file. 
They updated stating I was 30 days late before. Which is inaccurate! Also the status updated shows XXXX XXXX which is inaccurate if the account was paid off in XX/XX/XXXX which is what the status updated should reflect XX/XX/XXXX. 
Also the account was updated to state that I paid this account off XX/XX/XXXX which is also inaccurate. This account status shows included in bankruptcy which in itself shows that I would not have paid the account off 7 years after it was opened when the terms state 12 months and it was only late 30 days in 7 years? Which all is inaccurate. The terms, the paid off date of XX/XX/XXXX, and the status included in bankruptcy XXXX, or XXXX. This account also in XXXX was changed to reflect a negative account because of a dispute! 

XXXX # XXXX shows multiple lates which are inaccurate. Previous disputes have them being removed and when asked to investigate they have been replaced without any notification from Experian. This account also has multiple inaccuracies. The open date is inaccurate, the account status is inaccurate, the payment status is inaccurate stating included in bankruptcy 7, 11 or 12. This account was updated with a 30 day late added from my dispute but still shows status updated in XXXX which is inaccurate. The terms are inaccurate as well. 

Experian has stated that they have conducted investigations which have resulted in my inaccurate information added to my credit file which is currently affecting my ability to get credit fairly. Also they results have produced more information that are in violation of the FCRA and seem to be biased due to my nationality which they use the picture of my driver 's license to establish.

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 2016-01-25
Company: PNC Bank N.A.
State: IN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit card from PNC Bank Credit Card was compromised when XXXX had a security breach ... I was notified from PNC Bank that they would be sending me a new credit card in XX/XX/XXXX, to replace the old credit card that may have been compromised from the target breach at the end of XXXX XXXX ... I also spoke to them at this time about making a payment and they told me to hold off until I received the new credit card ... .I was supposed to receive the new card in XX/XX/XXXX, however, I did n't receive the new card until XX/XX/XXXX, almost a month and a half later ... .Once I received the new card I immediately called PNC Bank to activate the new card to replace the older one ... I ask the representative at the time if the account was open and activated and he stated that it was, however, at the time I talked to this representative, it had already been closed by PNC Bank ... The rep told me to set up a payment in the next week or so since the account was running behind due to PNC Bank mailing out the new card a month and a half late ... I called back in a few day later and agreed to set up a payment until the rep told me PNC Bank Closed the account XX/XX/XXXX and PNC never notified me they were closing the account ... I was outraged, since I had been a customer all my life at PNC ... .PNC also charged late fees and over the limit fees, how convenient, while I was waiting for the new card to arrive ... At that point I called PNC, and they said the person I needed to speak with about this problem was in a different department, and a person would call me to speak about this in 72 business hrs ... .I never received a phone call from PNC, after I called in several times about the credit card ... .At this time, I have XXXX credit cards, XXXX showing up on my credit reports, XXXX, XXXX, and XXXX, and this is in direct violation of the fair credit reporting act, since PNC failed to call me back to discuss my credit card being compromised, and that they would be using negative information in my credit reports ... They also state in credit reports that we came up with a resolution, then I disputed this, simply not true ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: J J Marshall & Associates, Inc
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over a year ago I was trying to move out of my grandmother home into a place for the first time and every place I applied for would not accept me because I have an eviction on my credit which I never had my own place before as I previously stated. I constantly contacted J J MARSHALL ASSOCIATES INC several times and I kept getting the run arounds. They constantly were telling me they were going to send out a fraud pocket on step to dispute the matter, which I never receive so I reported the situation to XXXX to dispute the matter after a year trying to do it on my own with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: IL
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:
There was an auto payment setup by a XXXX agent which did not process therefore causing a payment to be missed. They reported to the credit agency that the payment was late even though it was a technical error on made by them in setting up the auto-pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Our daughter was not given the option of a Federal loan which she should have qualified.instead was forced to take a private with us co-sigin the loan. XXXX, also made our daughter retake classes. This university and loan Dept should be looked into. She is now in Debt way over her head, and so are we as co-signers. Please look into our complaint. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX We were over 60 days in the loan process with you and fully complied with your every request in an expeditious manner. 
We have proven our income, are secure in our employment, and have money in the bank, our credit scores are over XXXX, we have no credit card debt, our residence appraises more than sufficiently, there has been no change in property size, zoning, type or usage since our previous successful re-fi with B of A which, in fact, qualified for and is currently owned by XXXX. You have already changed our insurance coverage naming B of A as additional insured for the new loan. For you to now tell us that our application for refinance has been declined because of " property type '' which was made known to you and which you marginalized in our initial and subsequent telephone conversations, just does not pass the smell test. I have been counseled to request a comprehensive explanation for their declination from your responsible underwriting staff. What has changed since our previous refinance with B of A? 
There is speculation that B of A is hoarding cash because of the election or that there may be age discrimination. Please provide this along with your official declination statement in writing and in a timely manner. 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 2021-05-13
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I decided to close my crypto account with Coinbase.com. I had {$980.00} that was supposed to transfer to my bank account, but when I tried to initiate the transaction I kept receiving the error " you're closing too many accounts, try again later ''. I contacted Coinbase to inform them of the problem and generate a case # # XXXX and was told that it was being transferred to a " specialist ''. I have not heard from anyone since then and my money is in " limbo '' with no resolution in sight. I need some assistance as I need this money for other purposes. Please help me. Thank you in advance for your attention and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
Thank you for helping with this issue. I was offered an incentive by American Express to change my credit card from the introductory card to the XXXX XXXX XXXX. The incentive was that if I spent {$1000.00} in the first XXXX  days of having the card then I would receive {$300.00} in cash back. Apparently, according to Amex, I did not adequately accept the incentive because I clicked on the wrong link, and thus they could not verify that I actually qualified for the offer that they sent. It is likely that they sent me an email saying that I would receive the offer, or that they reflected it on my Amex page, but that I did not click on that precise link to accept the offer. Thus, when I upgraded my card, they refused to give me the incentive I had obviously qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing in regards to having these items deleted from my report. I am a victim of identity theft I did not make these charges mentioned on the list. I have reported the theft of my identity to the Federal Trade Commission. Please delete these items from my credit report as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Cabela 's club ( Capital one ) sent me an email to pay on a card I don't have and never open in my name. 
Its a fradulent card ending in XXXX ... NEVER ... .applied or used. Stating I am two months behind {$100.00}. I have no idea who opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/XXXX, in the process of obtaining a HARP re-finance mortgage, a banker brought an item from the year XX/XX/XXXX to my attention from XXXX. I do not now nor ever recall an account with XXXX. Therefore, I request the item be removed from my report. As my credit report stands at an XXXX and has resided in that range for the last ten years or more. 
The XXXX item noted on my report reads as shown : XXXX INFORMATION DISPUTED BY CONSUMER ACCOUNT IN DISPUTEDisputed by Consumer CURRENTCreditCardOpenEquifaxXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Synovus Bank
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with XXXX ( Synovus ) as they were offering a {$200.00} new account bonus and fee free checking. There were a few stipulations which I met such as Online bill pay, debit card use and Direct Deposit. I indicated at the time of account opening that my Direct Deposit would be via an ACH from my other bank account as I was self employed. Iwas told that this would be okay. Indeed, I use this same method to make ACH deposits to another account I have so as to avoid monthly fees. 

On the first full statement cycle, I was charged a $ XXXX monthly fee. I indicated at that time that if the bank would not honor their commitment then I would close the account. I was delayed in closing this account as there were a couple of pending debit transactions. Subsequent to that, I was charges additional fees because they would not close the account in a timely fashion. 

I have asked the bank to : 1 ) Refund all of the fees charged to me on this account as they did not fulfill the agreement with me about the bonus and the fees. If fact they charged additional fees. 

2 ) Amend their promotional documents to clearly state that ACH does not count as a direct deposit. The bank also needs to train their employees such that they clearly understand the promotional requirements and can communicate same potential customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had logged onto my Online Banking account on XX/XX/XXXX to check if one of my bank transfers had gone through, when I realized that my funds were dramatically more depleted than I anticipated. After checking, I found 4 unauthorized transactions between my two accounts. They were through XXXX transfers, however I had received no notification for them like I typically would have with 2 step verification. 

There were 3 transfers from my savings account ( {$700.00}, {$850.00}, {$1900.00} XXXX and 1 through my checking account XXXX {$750.00} XXXX all from XX/XX/XXXX. 

I called my bank on XX/XX/XXXX and they immediately flagged the transfers as fraud. I closed the two accounts and opened new ones. I also changed my security information, and ordered a new debit card. 

However as of XX/XX/XXXX, my bank closed the fraud investigation stating that because the transactions were authorized by a valid device linked to the account, they are unable to honor my fraud claim. 

I had never filed for a fraud claim in my years as a client, and as this was my first I expected a better handling of the case.

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 2021-05-13
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: Account information incorrect

Complaint:
I have tried to dispute some items on my Experian Credit Report several times as they are inaccurate. Ive been trying to dispute them for 2 years now. I have items on there that are over 7 years old and they have been picked up by collections which shows another account for same creditor. They will not remove these inaccuracies from my report.

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 2018-05-29
Company: Experian Information Solutions Inc.
State: AZ
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 have a fraud alert on my XXXX XXXX, XXXX and Experian credit report. I want the fraud alert immediately deleted and removed from my credit report. I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I want the addresses deleted and removed from my credit report. The following phone number dont belong to me : 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 2016-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
it was an auto loan submitted in my name from bank of america, and it resulted in an inquiry in XXXX 2015, I called the number on my credit report and I called the number that was listed and the rep told me to take it up with the credit bureau, but the first start is to take it up with the creditor which is bank of america, it was shown on my equifax credit report. I did not apply for a auto loan, bank of america states they can not find that information, but it states an inquiry on my credit report. So since bank of america cant find the information and explained why there was an inquiry on my credit report. So i filed a compliant. i did not apply for a loan, i applied for previous auto loan but not another XXXX. So i decided to file a compliant. Nor did i obtain any goods.

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 2021-05-13
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my account without my permission and denied request to reopen. On XX/XX/XXXX I recieved a call from a rep indicating that they would resume service on card but failed to do so. Prior to that call I spoke with someone about options regarding card, thry mentioned that they would call me back but never did so, only to find out that the account was closed. I never missed a payment however late on a few due to covid related illness but always managed to maker payment. I fear that my business credit will be negatively impacted due to closure and was trying to avoid that. One individual stated that I wasting their time, I felt that comment inappropriate and felt that I was not worthy of being a valued customer. I just don't understand Wells Fargo way of doing buisness with small business owners. Please 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