BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was shopping for a car but I wasnt sure yet. They ask for my social in order to test drive the car. I precisely say I dont my credit to be pull. I find out they did and the manager promised it will be removed ASAP. A year later ou its still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EdFinancial Services
State: CO
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 XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Premier Student Loan Center
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Premier Student Loan I was told I was approved for a student loan forgiveness program and after paying XXXX  months I got accepted into the program which didnt forgive anything and just consolidate everything. I was supposed to get over XXXX off the loan forgave but that is not the case and they are charging me a monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sent the sum of XXXX Euro to Coinbase to buy bitcoin, from my account at XXXX. 
On XX/XX/XXXX I emailed Coinbase making as query as to why the funds had not arrived, which was ignored. 
On XX/XX/XXXX, I received an email from coinbase stating that the funds were being returned as the names did not match on the accounts. 
I subsequently mailed on XXXX and XX/XX/XXXX with no response from Coinbase. 
I contacted them again on XX/XX/XXXX and this time received a response. After several mails backwards and forwards on the XXXX, asking me for various items to verify I had made the transfer, I was informed that it would be escalated. I still have not had a response. 
Judging from various postings on sites like XXXX and XXXX, this is a common ploy by Coinbase to delay resolving queries, or indeed just hope you give up. I know that the sum is relatively small, but I do n't think that this gives a company the right to hold on to funds without either applying to my account, or refunding. Many of the review sites are full of reviews of this company acting in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I used to have a checking account with bank of america. I was talking online with someone that was hiring me for a new job from home. They send me a check with the amount of XXXX so I can buy the materials I needed to start as soon as possible working. When I deposited tue check two days later Bank of America closed my account, it turns out the check was fake. I was victim of fraud. They file this in my costumer report as I was depositing false checks. And that not true I was the victim. Now I cant open any other bank 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 non-monetary relief
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: TX
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:
The Credit bureaus stated my account was properly investigation but how is dat possible if the open date inaccurate, months of term, and date last reported is not accurate also last date active, date of last payment credit limit, high credit. This ground for removal they also violated my right under 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. It also stated a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX I have in hand a copy of my credti report and highlighted all the inaccureate things from all 3 credit bureaus and i found alot of inaccurate things on it. So i would like it removed from my credit report from all 3 bureaus.

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 2022-04-30
Company: EQUIFAX, INC.
State: TX
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:
The Credit bureaus stated my account was properly investigation but how is dat possible if the open date inaccurate, months of term, and date last reported is not accurate also last date active, date of last payment credit limit, high credit. This ground for removal they also violated my right under 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. It also stated a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX I have in hand a copy of my credti report and highlighted all the inaccureate things from all 3 credit bureaus and i found alot of inaccurate things on it. So i would like it removed from my credit report from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The bank confirms that the funds ( $ 34K+ in principal deposits ) in my company 's savings account are " on the ledger '' but that they are " not available. '' Regrettably, they can not advise as to why, or what needs to be done in order for the funds to be released. I repeatedly went to the Citi branch in XXXX, California and they advised me it was a " fraud '' issue. I called Citi fraud and they confirmed there was no fraud and noted on the account that there was no hold from their department. The branch then tried to call various Citi departments to get an answer but was unable to do so.

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 2017-07-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX I filled-out the " Annual Credit Report Request Form '' with all of the information filled out and submitted the form with the required copies of my SSN, XX/XX/XXXX Rental Agreement papers, and sent it Certified Mail Return Receipt Requested. On XX/XX/XXXX I received a second request form requiring : Full Name, SSN, Complete Address for last 2 years, DOB, ( 1 ) Copy Drivers Lic., ( 1 ) Copy Utility Bill. OnXX/XX/XXXXI re-submitted all of the requested paperwork, as requested, Certified Mail Return Receipt Requested again. On XX/XX/XXXX I received a third  request form requiring : ( 1 ) Copy of a Gov. issue ID, ( 1 ) Copy Utility Bill, Full Name, SSN, DOB, Complete Address for last two years. I have already sent all of the requested information in the last two request forms.

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 2022-04-30
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX XXXX XXXX has Violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 2 It also state a consumer Reporting agency can not furnish account account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: General Motors Financial Company, Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GM Financial Account number XXXX Is not possible for a original creditor to report a balance on a account that have charged off because by definition of GAAP [ General Accepted Accounting Procedure ] This Debt was be writing off to uncollectible and the Company Profit & Lost Statement of the financial reports Also they cant make a past due balance on a charge off a account either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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 status incorrect

Complaint:
I initially sent a series of corresp

ondence to the Credit Reporting Agencies as well as the Actual Creditor. I am fully aware of how r
eporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

Original creditor is denying any misreporting to CRAs.

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain mortgage.

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 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America LOST MY MONEY. Despite numerous attempts to resolve this problem with Bank of America XXXX see XXXX, XXXX, XXXX XXXX, I am still not getting anywhere on this. Bank of America says that they escheated my money to State of Wisconsin XXXX see attachment XXXX ). I did contact State of Wisconsin. State of Wisconsin said they DID NOT GET ANY MONEY FROM BANK of AMERICA in my name XXXX see attachment XXXX ). State of Wisconsin suggests that a representative of Bank of America contacts State of Wisconsin to resolve this problem ( see the attachment ). To resolve this issue, I want Bank of America to contact StatXXXX of Wisconsin to figure this problem out, and to find my money, and tell me where it is in writing. BANK OF AMERICA IS RESPONSIBLE FOR LOOSING MY MONEY. WHEN YOU FIND IT, SEND IT AS A CHECK TO MY HOME ADDRESS.

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 2017-10-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not applied for any credit from chase, I want no credit from chase and they continue to rerun my credit checks for some reason. I have discussed this with them in the past over a year ago and they removed some credit checks now again they are doing it. I 'am being single out by chase bank as a victim as they are trying to damage my credit score, but I do n't carry there cards any more. I was on vacation all summer, XXXX XXXX in alaska back country and still applied for credit ( so they say ) Ha, Ha . I want all four XXXX hard filing removed from my transunion report and any future ones they may come up with, as I DO NOT intend to apply for their card. ALSO the XXXX excuse of having my identiy stolen as was their reason too. wo n't fly anymore. Just clean up their hard files or give me a excuse like they do and blame some one else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: Titan Receivables, Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Titan Receivables is reporting a debt on my credit file that needs to be removed. I have previously disputed this account and since then I have not been able to communicate with anyone at Titan Receivables. I never got a response regarding validation of the debt which should've removed it in the first place, but now I can't get in touch with anyone. I have tried calling multiple times to speak to a rep and no one can seem to help me try to get this solved. Despite me wanting to pay it to get it over with, they still can't seem to help me with that. This debt is past the statute of limitations in CA and they can't even collect on this debt anymore but beyond that they have no interest in collecting payment either! This just needs to be removed from my credit file, you continue to report invalidated debt which can be considered fraud under both federal and state laws. If this is not removed I will have no alternative but to exercise whatever rights and remedies I have under the law to enforce this removal, not excluding legal suite against Titan Receivables.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
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: Account status incorrect

Complaint:
There are 8 inaccurate late payments being erroneously reported by XXXX from XX/XX/XXXX-XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through XXXX Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to XXXX directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. XXXX has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with XXXX and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So XXXX no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another XXXX supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>XXXX appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.

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 2021-06-15
Company: Experian Information Solutions 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 status incorrect

Complaint:
Experian continues to report a debt on my credit file that needs to be removed. I have contacted XXXX via letters multiple times and they continue to report XXXX XXXX. I have been disputing this account with them for some time and they have never been able to validate this debt to me, and they keep telling me to contact Experian if I believe its wrong. I have tried multiple times to get this resolved with XXXX and have gone as far as trying to pay them to get this removed from my file and it's impossible to talk to anyone there. This debt has never been validated to me, and this debt is past the statute of limitation in CA. Please remove 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 2022-05-01
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:
XX/XX/2019, I requested verification under section 609 ( a ) ( XXXX ) ( A ) to Experian, XXXX, and XXXX. Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is ground for removal since they also violated my rights under 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 an account without my written instructions. Also, the Credit bureaus took more than 30 days to complete my investigation. 

Here is my certified mail tracking : 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 non-monetary relief
Consumer complaint received 2017-10-24
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a XXXX XXXX XXXX close to 10 years ago. I have been using my card diligently including becoming one of their best customers in the Luxe card category. I have been making payments as required by the card agreement including making extra payments. I recently updated the details for one my accounts that I use for payment. However when I proceed to check out my payment, the system defaults to the old account that I no longer use. It has happened twice in XXXX and last week XXXX XXXX XXXX. The payments am attempting to make are not the required monthly minimums but rather extra payments. The card has always been paid on time, with no missed or late payment for 9 years. Unfortunately yesterday when I attempted to use the card the transaction was declined. I made an effort to contact Synchrony bank the card issuer and was told my account was closed due to returned payments on two occasions. I requested that they review my account, payment record/history, duration the account has been in service and other information on my credit file. However one the managers XXXX XXXX declined my request. I have been a card holder for the last 10 years and I find this business practice punishes a cohort of those customers that otherwise are up to date with no missed payments or late payments and yet the bank is not amenable to reviewing these supervenient circumstances, a core to good customer relations.

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