BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: OK
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:
filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by us bank number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Experian Information Solutions Inc.
State: OR
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 placed a credit freeze online with Experian around XXXX of 2019. I carefully wrote down my pin and the information used so I could unfreeze my credit later. On XX/XX/2019, I attempted to unfreeze my credit online and was told I needed to mail them a written request including copies of my social security card and driver 's license. 

I am under the impression that federal law dictates I should be able to place or remove a credit freeze online or by phone and have it executed within XXXX hour. 

There is no way to contact Experian by phone. I've tried multiple times to talk to them regarding this issue on XX/XX/2019 and XX/XX/2019 ( during business hours ). Their automated system will not allow me to reach a live person. The automated system repeats the same information that I need to submit my request by mail. 

Please help me CFPB. I do not want to mail my identity documents and risk them being stolen when I should be able to do this task online or by phone. 

Thanks.

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 2017-08-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have recently obtained a copy of my credit file and there are many unverified inquiries in my report. These inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX :XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX 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 2020-01-06
Company: BARCLAYS BANK DELAWARE
State: NC
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:
BARCLAY 's Bank - XXXX XXXX XXXX Master Card My Statement Due Date was XX/XX/XXXX. 
Total Due {$4400.00} I paid through XXXX XXXX Banking, it was an electronic payment for the Full Amount. 

I have proof from XXXX XXXX showing the electronic payment was received on XX/XX/XXXX. 

The Credit Card company is stating the payment was not received until XX/XX/XXXX They are telling me they have 2 to 3 Business days to process all payments. 
If they need this time, they should adjust the Payment Due Date. 

I think this is unfair practice and a way to charge consumers.

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 2022-01-25
Company: TRUIST FINANCIAL CORPORATION
State: AL
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:
My auto-loan with SunTrust/Truist ( XXXX ) was refinanced on XX/XX/22. A bank chat representative, XXXX, confirmed the loan payoff was completed on XX/XX/22. I am owed roughly {$750.00} from a refund on GAP insurance which the agent was unable to give me any information about. 

I was advised to call XXXX to inquire as to the refund status, but wait times are on the order of 25-60+ minutes, and there is no callback option. 

The chat representative advised me that the GAP policy refund would be automatically deducted from the outstanding payoff for clients who obtained a loan in Alabama, but the full amount ( {$25000.00} ) of the loan was refinanced with XXXX XXXX  XXXX. 

I attempted to contact the department at the number provided, but after waiting on hold for 40 minutes I could not wait any longer due to extraneous circumstances.

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 2017-08-23
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My XXXX Store Card Issued By XXXX XXXX Was Covered With Card Security Debt Cancellation. I suffered first from the loss of my own business in XX/XX/XXXX I  then returned to another job part time. Making much less money than before. I struggled to keep up with my payments but continued making them on time. My job eventually led to unemployment through no fault of my own on XX/XX/XXXX. When these events started my account was covered in full by Card Security Debt Cancellation. The written Contract shows that In the event of SELF EMPLOYMENT LOSS. MINIMUM PAYMENT DUE WILL BE MADE WHILE REDUCTION IN HOUR OR LOSS OF SELF EMPLOYMENT CONTINUES UP TO A MAXIMUM OF SIX MONTHS. NEXT EVENT JOB LOSS : After your job loss minimum payment on the first statement after the first day of job loss will be cancelled After 90 days in a row of job loss, you BALANCE IS CANCELLED ( PAID ) will not exceed the amount you owed on the first day of your job loss, up to {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Thursday XX/XX/XXXX XXXXXXXX XXXX CDT, I wired {$5000.00} from my bank account to the Coinbase Intermediary bank, XXXX XXXX XXXX in New York. I sent this wire from XXXX XXXX XXXX in XXXX XXXX Texas. The following day, XX/XX/XXXX Coinbases intermediary bank, XXXX XXXX XXXX in New York, confirmed receipt of the wire transfer and confirmed that it had been credited to Coinbase, under the correct instruction ( XXXX ). I can provide you with any documentation needed to verify this information I have made no less than 6 attempts to contact coinbase through their customer service portal with no response at all. I also tried to call the company but there is no phone number provided to make contact. I then Emailed directly to their " wire transfer '' department on Saturday XX/XX/XXXX and again NO response. This wire transfer is supposed to be immediately credited to my USD wallet in my Coinbase account. It is Monday XX/XX/XXXX and I have not gotten my money credited. I had a time sensitive business purchase to make on Sunday night XX/XX/XXXX and there was a one hour window for me to complete my purchase through my Coinbase account. My Company missed this purchase opportunity and now it will cost me 10 's of thousands of dollars in revenue. I have read at least 50 postings on various websites and forum 's where Coinbase appears to be deliberately withholding customer funds on wire transfers. Coin base is operating in the USA as an " Exchange " and is governed by US securities laws. This situation looks dangerously like " wire fraud ''. Thank you for any assistance you might provide in helping me recover my misappropriated funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19, I closed on a refinance on my home with Loan Depot. I did not receive funds until XX/XX/19. I complained repeatedly to both my loan processor and with XXXX XXXX XXXXy, XXXX XXXX, to no avail. I was told by Loan Depot that XXXX XXXX XXXX was extremely busy due to the number of loans. I finally received the funds the evening of XX/XX/19. 

Also, I started the loan process on XX/XX/19!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20
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: Reporting company used your report improperly

Complaint:
1. In accordance with the Fair Credit report Act XXXX  account 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 604 A section 2. It is also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-07-24
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I checked my credit report and found inaccuracies. They verified the account so I sent a request to experian via certified mail asking for method of verification. I also challenged XXXX XXXX compliance.They have not provided me with documentation showing how they verified these accounts. They also sent me a letter stating they will not reinvestigate if i do not provide them with information but they did not provide me with what i asked for. I want to remind experian that as in XXXX v. XXXX XXXX XXXX, No.XXXX ( XXXX. XXXX. XXXX XXXX, 1995 ), you maybe liable for your willful non-compliance.They is taking away my rights as a consumer.

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 2022-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI Bank of America ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX  for code of ethics violations.

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 2021-04-22
Company: EQUIFAX, INC.
State: VA
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 admitted by graduate school XXXX XXXX XXXX program ). I am still studying in XXXX XXXX XXXX Arizona XXXX University-McCain XXXX ( next the White House and the XXXX XXXX  in XXXX XXXX as first XXXX  American veteran ), President Joe Biden ordered DOE and XXXX not to include student loan in credit report due to COVID pandemic situation. 

President XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX plan for canceling XXXX dollars through XXXX order or legislation. 

XXXX  company and DOE should stop posting student loan in my credit report without my consent. As a single parent with XXXX kids, I try to buy a home in rural area, student loan information in credit report should be removed to apply FHA loan, VA XXXX and USDA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 admitted by graduate school XXXX XXXX XXXX program ). I am still studying in XXXX XXXX XXXX Arizona XXXX XXXX XXXX ( next the White House and the XXXX XXXX  in XXXX XXXX  as first XXXX  American veteran ), President XXXX XXXX ordered DOE and XXXX not to include student loan in credit report due to COVID pandemic situation. 

President Biden, Senator XXXX, Senator XXXX XXXX and Speaker XXXX plan for canceling XXXX dollars through executive order or legislation. 

XXXX  company and DOE should stop posting student loan in my credit report without my consent. As a single parent with XXXX kids, I try to buy a home in rural area, student loan information in credit report should be removed to apply FHA loan, VA loan and USDA loan.

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 2017-07-24
Company: Experian Information Solutions Inc.
State: AL
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 disputed an item on my Experian credit report stating that the debt belong to my ex-husband. The account is XXXX XXXX. The account was closed in XXXX. The dispute results stated that it would remain on my credit. The date for removal from the credit report is now changed to XXXX. That is incorrect. According to the Fair Credit Reporting Laws, an item can only remain for 7 years.

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 2022-01-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
After inspection of m y credit report, I noticed that there are names and addresses on my report and I do not live there nor use the names being reported. I do not have access to these addresses and names and I would like to prevent identity theft. I do not want any mail that has my personal information to be given to individuals I do not know. Please help me prevent identity fraud 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 2017-07-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I asked experian to disclose to me all of the documents that they have recorded and retained in my file at the time of request concerning my accounts that are reporting. I have that right under the FCRA 15 U.S.C.  1681g. Under the FCRA 15 U.S.C. 1681i all univerfied accounts must be deleted. Below are all the accounts I wanted validated. I do n't want proof of verification or proof of my mailing address but a request for VALIDATION made pursuant to 15 USC 1692g sec 809 ( b ) of the FDCPA. I have sent the my a copy of my bank statement and photo ID to show proof. I have requested that my name is put correctly on my file along with removing all other names that are spelled wrong and the are not doing so after providing them with the information that is needed. They wo n't remove any old address that I was never associated it. My accounts number I want validated are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide documents that you have used to verify accounts. Please do n't respond and say all accounts have been verified.

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 2018-05-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/2017, I mailed a letter to Experian asking them to remove a XXXX XXXX XXXX XXXX account listed on my report that does not belong to me. I was added as an authorized user on this account without my knowledge and asked Experian to remove the account. The balance on this account is $ {$1900.00} with a high balance of {$2000.00}. 

The response I received stated that the account was verified and accurate and was not removed. The act of not removing this account from my credit report has caused unjust credit determinations and has lowered my overall credit score. I am requesting that this account be immediately deleted from my credit 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 2022-06-11
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following items are a direct violation of my consumer rights. 

XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX XXXX Account # XXXX XXXX5 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX XXXXXXXX XXXX  XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS..

Company response to consumer: Closed with explanation