BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: NJ
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:
The following account was charged off as of XX/XX/2018. Since then, the account has been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. I've disputed this account several times in the past year & all the company does is update the account each time. The constant reporting of this account violates my consumer rights according the FCRA section 623, 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) a person shall not furnish any information relating to a consumer if the persons know or has reasonable cause that the information is inaccurate. Any information disputed by a consumer that is found to be inaccurate during reinvestigation should be promptly deleted by the consumer reporting agency pursuant to FCRA 611, 15 U.S.C. 1681h- ( a ) ( XXXX ) ( A ) ( i ). These violations are a clear indication that this company has continuously failed to properly investigate my disputes. This inaccurate information is preventing me & my family from buying 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 2017-08-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint is against Coinbase Inc., ( www.coinbase.com ) who are currently holding my funds of {$3000.00} wrongfully.
On XX/XX/2017 I made a wire transfer from my bank ( XXXX XXXX XXXX ) to Coinbase Inc ( for {$3000.00}. The wire was successfully completed by the bank, but I did not see the funds in my Coinbase account. When I raised a support request, the support rep from Coinbase said they had rejected the wire as the account names did not match. ( My bank account is a joint bank  account that has both my name and my husband 's name, I do not see why this was rejected ). The customer service rep from Coinbase said they will wire out the {$3000.00} back to my bank account and I should see the funds back in my account within one business day.
It has been four business days so far, and I have not received the funds. I have called up my bank several times and they say they do not see the incoming wire transfer. I have tried contacting Coinbase several times ( raised support tickets, messaged them on XXXX and XXXX ) but to no avail. They have not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XXXX  my wallet was stolen. I contacted the credit card companies and informed them of the thief. I asked for my account to be frozen and to not allow transactions. Most of the card companies complied and where very helpful, however for what ever reason a couple of the cards allowed transactions and placed me in debt. I tried to work with them and bent over backwards trying to keep the accounts paid until they could fix my account. I asked for a fraud investigation on the transactions and nothing was done. I was forced to work with a Debt Consolidation Company to try ad salvage my credit. The accounts discussed have been paid as agreed. XXXX XXXX  has kept an amount on my credit which has been paid through consolidation even though they caused the balance by not freezing my account when my property was stolen. 

They received and agreed amount and with this they agreed to report paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. 

XXXX XXXX shows the account as paid, however they should be reporting paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance. XXXX XXXX let several transactions through before they froze the card as well. 

Capital One corrected the account however the reporting is incorrect. They need to update the account to paid as agreed, no late payments and closed by consumer with a XXXX {$0.00} balance paid as agreed. They are still in the process of trying to give me back the settlement amount paid as it was due to thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 requested and was granted by XXXX a payment accommodation ( deferral ) plan on or in accordance with the Cares Act. My loan # is ( XXXX ). Reported late payments was in XXXX, XXXX, and XXXX of 2022. XXXX reported me late to the credit bureaus adversely affected my credit. XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

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 2023-07-26
Company: EQUIFAX, INC.
State: IN
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 A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
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: 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 demanding to be deleted immediately : XXXX. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX BANK Account Number : XXXX Please remove it from my credit report.r

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Collection bureau of America ( CBA ) is aggressively attempting to collect debt for XXXX properties. I reached out to XXXX properties the original creditor and was told they did NOT have any past due account in my name and could not locate the record of selling this collection to CBA. Contacted CBA only to speak to very rude representatives who only want my ss # and banking info and did NOT listed to my concerns and statements. Several letters sent were ignored only to increase the number of calls for collections ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
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: Old information reappears or never goes away

Complaint:
I expressed a dispute request by phone and in writing at the end of XX/XX/XXXX and XX/XX/XXXX that 2 student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I  disputed this twice, it was removed and Equifax erroneously placed it back on twice without notifying me within 5 days of reinsertion per FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Had a card with Wells Fargo. They placed me on Covid-19 payment assistance. But never sent me any information about the duration of the assistance or when I would be coming off the assistance. But to make sure a payment was posted, I mailed them a {$30.00} check even during my period of payment assistance. Howeve, this payment was never applied. Instead, they removed me from covid assistance without notice, causing a late payment on my credit report. I closed my account to get away from this shady company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16
Company: Immediate Credit Recovery
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX 2017, the IRS and the XXXX XXXX XXXX informed me that a collection agency by the name of Immediate Recovery are in charge of my loans now for the amount of {$50.00}, XXXX. I have made many attempts to contact them and still no response. I have even asked the representative s that do  answer to please leave an email with my request to speak to them but still they have not reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: WA
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:
To Whom It May Concern : I recently received a copy of my consumer report and noticed the following accounts reporting balances and utilization inaccurately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish utilization on my consumer report? 

Did I give you written instructions to furnish a balance on my consumer report? 

you have 10 calendar days to Update all balances to Zero on all below accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2019 I received a hardship application from PNC. They gave me until XX/XX/XXXX to complete and return application with all documents required. I have submitted the application in time - on XX/XX/2019. Come to find out Ive been getting mail & phone calls from random lawyers & realtors that my house is up for sale. How is this possible that my home is up for sale if they havent reviewed my application yet?! 
And I feel like a ping pong ball because the person who was handling my case at PNC - XXXX XXXX said she would be working with me and Ive been communicating with her via email and come to find out, my case has been forwarded to someone else. I havent gotten a phone call. This has been very deceptive. PNC sent me a package and a date that I had to reply by and I did. 
This is an unfair mortgage practice that has gotten XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  & other services such as XXXX XXXX XXXX and XXXX  XXXX XXXX for their bad practicing to send out loan modification packages and at the same time put our houses up for sale without a full review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I submitted to USAA an additional principal payment be made on my mortgage on XX/XX/XXXX. On XX/XX/XXXX, they incorrectly applied a part of these funds to interest instead of the full amount to my mortgage 's principal, which has also happened several times during XXXX. I filed a XXXX  complaint then and was told that the issue had been resolved, but it apparently has not. When talking with the representative, he stated that neither XXXX nor USAA had the ability to escalate this issue nor open a ticket to keep me informed of fixing their system to correct this in the future. As USAA continues to steal money ( via charging me extra interest ) from me ( and likely thousands of others as well ), I would like to be paid for my time of having to monitor my payment activity monthly as USAA is incapable of doing their jobs correctly as well as for my time having to call in and have the charges reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: SYNCHRONY FINANCIAL
State: MS
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 called XXXX and told them that we 're fraud charges on my account I did not fill out for credit cards or auto loans they would n't delete them ask to speak to a supervisor they hung up in my face.

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 2018-06-02
Company: CORELOGIC 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: Personal information incorrect

Complaint:
Good morning/evening, On the following dates of XX/XX/2017 XXXX  filed a hard inquiry on my credit report where I never authorized such inquiry. This is greatly impacted my ability to eventually purchase a home. I request to have them removed 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 2022-07-09
Company: Experian Information Solutions Inc.
State: GA
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:
PLEASE HELP! Experian and XXXX is ruining my financial reputation.Experian and XXXX continues to be in cahoots together to bring harm to my reputation. Not only did XXXX sell my nonpublic information to Experian without my consent. Experian continues to report these errors on my consumer file without my consent. I have provide Experian with several correspondence they provide proof that this is an error. Experian act as if I am arm asking them is this an error. A consumer is the only one that can say what's on their file is an error which I have and provide proof. Experian has stated on their website that the third party vendor they use to verify Bankruptcy is XXXX. XXXX stated that they complain does not belong to them because they removed it. Please view attachment of once XXXX verify the accuracy of the US BKPT CT GA XXXX and then after filing a FTC against them they since removed it. I have asked Experian to provide me with the name and the number of the person that they spoke with a XXXX and to no avail have they done so. Experian has a duty to report with fairness and accuracy. How has Experian been fair when they continually only speak with the furnisher. Also what furnishing of information is Experian using to verify the accuracy if the third party that they use no longer house the information.

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 2017-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received repeated phone calls from Kohls Department Store collections. They left prerecorded voicemail telling me to call XXXX at the following numbers and times : XXXX - X/X/17 XXXX XXXX - X/X/17 XXXX XXXX XXXX - X/X/17 XXXX XXXX X/X/17 XXXX XXXX X/X/17 XXXX XXXX - X/XX/17 XXXX XXXX - X/XX/17 XXXX I communicated to them that I would like only written notices from them concerning my bills but continued to receive calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
XX/XX/18 XXXX XXXX made an unauthorized fraudulent hard inquiry to my Transunion report. Transunion has instructed me to contact each company making fraudulent inquiry individually. Attaching relevant police 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 2022-02-07
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: Information belongs to someone else

Complaint:
EQUIFAX INC IS REPORTING INFORMATION IN MY GOOD NAME. 
I HAVE TRIED TO COMMUNICATE WITH EQUIFAX INC AND THEY HAVE NOT RESPONDED TO MY DISPUTES. 
EQUIFAX KNOWS AND IS AWARE THAT I AM A VICTIM OF ID THEFT. 
I HAVE SUMMITED TO EQUIFAX FTC REPORTS EVERY WEEK. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX XXXX XXXX in XXXX from US Auto Finance. I purchased XXXX XXXX along with the policy. I was never late on a payment. I had XXXX deferments due to repairs on the car. In XX/XX/XXXX, the car was a total loss due to no fault of mine. XXXX was the other parties insurance company. I notified US Auto Finance of the total loss on XX/XX/XXXX. I was told that the payments would be put in deferment until paid off. XXXX sent a check for {$9500.00} on XX/XX/XXXX. I contacted US Auto to ask that they process the XXXX  claim on XX/XX/XXXX. I was told they would process the XXXX claim 90 days after they received the check. During this 90 days they have failed to post the check to my account, instead they posted a late payment to my credit report on XX/XX/XXXX and still haven't stopped charging interest on the balance. So they are purposely waiting 90 days to get another 90 days worth of interest fees and are posting to my account late payments after receiving a check for {$9500.00} for my balance. They have failed to send the title to XXXX for the total loss claim. US Auto have also failed to update my credit report of the {$9500.00} payment. My credit score dropped by XXXX points due to this false reporting of a late payment. I have been working on my credit reporting after XXXX XXXX which is why I had to purchase a car from US Auto. Since this time I have NEVER MISSED A PAYMENT WITH ANY OF MY CREDITORS AND MY CREDIT SCORE WAS XXXX NOW DROPPED XXXX POINTS

Company response to consumer: Closed with explanation