BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I own a Coinbase account. I send my salary to my account and suddenly, coinbase restricted my account, I'm not able to withdraw my money and it's already been XXXX months since this episode. 

This was without previous notice, without infringing any law, and without a cause nor explanation. They just decided I can't take my money out of the site as I did in the previous months. I tried to solve it with their help desk but it's just a robot that repeats the same useless information. The mailing options are the same, just an automatic helpless response and they closed every single of my complaints without an explanation or response. 
Case XXXX, case XXXX, case XXXX, case XXXX, case XXXX, case XXXX, case XXXX, case XXXX, case XXXX Withholding my money in this way is not only arbitrary but illegal and entirely out of character. I demand a solution to this unjustified restriction under penalty of taking legal action in this regard They are violating my rights. And not only do I want my money back but I also want the corresponding economic compensation and adequate compensation for the problems caused by this illegal decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NC
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 saw XXXX XXXX XXXX on my credit report as a recently opened account. I do not know the company and never applied for a credit card. I have reported in the past identity theft and believe this is linked to the problem. 

When I try to call the company I am routed to voice mail and told to either leave a message or request a call back. I have not received a call back from the 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 explanation
Consumer complaint received 2017-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/XXXX, I received a Mail Correspondence to consolidate my credit card debt into one loan- From Bank Of America- I called and agreed to the XXXX Line of Credit for a term of 96 months. I called in XX/XX/XXXX to discuss with Bank of America as to why I was continuing to be billed after my Pay Off date- I was told that I did not understand how interest accumulates and that I still owed over 10,000. I said how is that possibly- If I purchased a car over 60 months at the end of the 60 months I would own the car- after 3-4 calls being on hold being transferred to numerous departments, I asked for all of payments to be sent to my address with my original agreement. I was told that my account has been closed and Bank of America can only retrieve records back 7 years- so let me get this straight you have no record of a commitment to our agreement- you have closed my account. Very Good- yet they continued to bill me and additional XXXX has been paid to them- XXXX loan - Bank Of America HAS RECEIVED OVER 84,000 FROM ME XXXX OVER MY 96 MONTH AGREEMENT. After I told them I was filing a complaint I received a phone call and they stated that we resolved this issue last year XXXX XXXX- I said this issue was never resolved I just kept paying you- The agnet said Sir the rates changed in XX/XX/XXXX we sent that information to you in your bill - I said WHAT ARE YOU TALKING ABOUT- How can the rates change - and why was the term extended- no response.

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 2022-02-09
Company: GUIDANCE RESIDENTIAL, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX - Won an offer to purchase a home at XXXX, TX XX/XX/XXXX - Got per-qualification letter XX/XX/XXXX - Application submitted, we had only XXXX days for financial approval and end date was XXXX XXXX XX/XX/XXXX - Initial Disclosure signed XX/XX/XXXX - Required documentation uploaded, at this point Guidance Residential verified that my co-signed property which was in forbearance is exited with XXXX trial payments, Guidance agent XXXX only told me that if I can only show XXXX payments done on forbearance property, I will get loan XXXX XXXX  sure. But he didn't told me that the documentation also need to be completed and mortgage statement have to reflect that, otherwise I would not apply loan without ensuring those documents. We showed him XXXX payments and he was okay with that, no more question asked until XXXX XXXX and its too late to save my {$10000.00} earnest money. 
XX/XX/XXXX - Rate locked to XXXX XXXX which was higher than others. 
XX/XX/XXXX - Loan was conditionally approved, we still have XXXX days left to deny the loan but Guidance Residential still didn't have any issue. 
XX/XX/XXXX - Home was appraised XXXX - XXXX ordered XXXX- Guidance Residential denied the loan based on the Forbearance property documentation issue. 

The complain is, Guidance agent ensured that I will get loan only If I can show XXXX payments on the forbearance property, but they didn't tell me I need to have updated documentation and mortgage statement as proof, if they would told me that, I would not apply loan before I receive those documents. Now they denied me as I don't have those documents yet, and they did it when my financial approval period is over, and now I have to lose {$10000.00} earnest money. They deceived me. There should be a law to enforce Mortgage Lenders to deny loan within the financial approval time so that we don't lose earnest money. This happened XXXX times, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: ERC
State: NE
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:
A collection account was removed from my credit report from Enhanced Recovery Company. My credit score only increase by 5 points. My credit score should have increased by at least 23 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, XXXX XXXXXXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : 0 Court : U.S. Bankruptcy Court Liability : 0 Exempt Amount : 0, Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion TRANS UNION XX/XX/XXXX TransUnion, 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 also states a consumer reporting agency can not furnish a 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 2021-08-25
Company: EQUIFAX, INC.
State: NJ
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: Other problem getting your report or credit score

Complaint:
As I am trying to start my business, and can't borrow money because these credit people sit in jurisdiction over my life, and continue to report me as a Zero= XXXX, who is like a new born baby. As someone who has never applied for credit anywhere. Not only do I have a loan that I have paid over {$100000.00} for, I have a credit card and a car note, but they keep displaying my credit score as a XXXX, and it is ruining my life plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Neither my XXXX or I were notified that our XXXX was being transferred to another company. We were never told, before or after, where our money was transferred to. Customer service was XXXX. Never apologized to. Closed my accounts after XXXX years. Wife closed her accounts also. Closed my credit card account and both of hers. Very disappointed in company and how we were treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 I made an online transfer ( XXXX dls ) reference no. XXXX in XXXX by Money Gram to a XXXX XXXX  account in XXXX XXXX and the money did not appear in the intended account. 
I contacted Money Gram to be able to make the cancellation since the money was never received and they told me that they cant return it that they have to investigate first, but in the rights there it clearly says that if the money was not received, the cancellation can be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I called Barclays at XXXX on XX/XX/2021 to request my full balance owed and to pay it all off. The agent told me the full amount owed was {$1000.00}. I authorized the payment from my XXXX XXXX XXXX checking account. This is the account where automatic payments were already in place. I was very specific in asking them for written confirmation that the full amount owed was to be paid and that the account was closed. I was told the account was already closed and I would receive email or letter to that effect. On XX/XX/2021 I confirmed with my online credit union account that the total was transferred from my account to Barclays. Also on XX/XX/2021 received an email from Barclays. It only stated that they received a payment. It didn't indicate my balance or anything else. So last night XX/XX/2021 I get an email that I still owe {$3.00}. I called XXXX went through the prompts and just paid it. This morning I called Barclays, spoke with XXXX, to ask where these new charges came from. I didn't get any intelligible or satisfactory explanation. I then asked ( again ) that they send me an email stating that I owed them nothing. I was told I would need to call back later to check on this myself. I asked again for THEM to send me an email, but XXXX stated they would only mail something out within 7 to 10 days. 
At this point I need help as I feel they are just harassing me with new false payments. I still haven't received anything in writing. The whole time they were taking automatic payments, I never knew my remaining balance. I'm not trusting their word anymore.

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 2021-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Equifax did not take the proper steps to protect my personally identifiable information contained in my credit report. As a result, my SSN, DoB and full address have been compromised by malicious actors. Equifax did not take seriously their security responsibilities and now up to 143 million Americans may suffer as a result. Equifax must be held accountable for this lack of security and issue appropriate compensation to all affected parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
My personal information was divulged to an unauthorized third party by Equifax due to extremely inept cybersecurity practices in use at the firm. My data, including my SSN and other sensitive information, is now being held by an unknown entity without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: U.S. Collections West, Inc.
State: AZ
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 XXXX Disputed this account I have no knowledge of. I have disputed online, mail, phone and also have a dismissal letter I sent a never served or informed of any courtdate. They have yet to even respond other than XXXX  saying they validated the debt but how? And where are my copies?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: PENTAGON FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 Pentagon Federal Credit Union opened a 5 year Money Market Certificate with out my permission in the amount of {$500000.00}. The money to open the account was taken from my Pentagon Federal Credit Union savings account. 
I have asked them several times to close the account and return the money to my savings ( with no fees ) but as of yet the have refused to do so. I did not open this Money Market Certificate nor did I sign for the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXXXXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, XXXX XXXX, I have an XXXX XXXX XXXX XXXX, and we exchange services with other companies for that reason every month for the services rendered we send a wire payment to those companies. These companies are XXXX XXXX  companies as well and based out of XXXX. 
XXXX of the wires for the amount of {$9200.00} was initiated on XX/XX/2021 from my business account and until today there are no whereabouts, The banking service I'm using is Wellsfargo and I keep calling them every day for the past XXXX days, and until today they have no resolution and that's very frustrating as the amount is quite huge. 

Please help me here as they keep bouncing me from XXXX department to another and keep assigning different case numbers.

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
I tried to resolve these accounts and I asked for them to be removed but they keep raising the price up XXXX XXXX  XXXX XXXX  XXXX i dont know what that is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I dont even know this company XXXX XXXX  XXXX XXXX In accordance with the fair credit reporting act

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 2022-07-11
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This involves an amount owed to my former apartment complex while Iwas in college. This debt is claimed by ProCollect Inc to have been placed in XXXX by the former management company of the apartment complex which is now out of business. I received a call from ProCollect Inc in XX/XX/XXXX claiming to demand payment of the debt. I was not familiar with the debt and taken off guard and I asked ProCollect Inc to call my father as he was the guarantor for my lease. He spoke with a representative about the debt. He also demanded payment from my father. My father asked that he confirm and verify the debt in writing as required by law, however, he stated that he had already mailed a letter. Neither my father nor I have ever received any correspondence from ProCollect Inc. My father told the representative that the previous management company had several issues of mismanagement and it would not surprise me if the debt was legitimate. My father then asked the representative again to mail me one letter to verify the debt and he would pay it off. The representative refused and stated he could not help it if the XXXX did not deliver my mail. That was the end of the conversation. After that, ProCollect Inc placed a collection on mine and my father 's credit reports with all three credit reporting agencies. After disputing the collection with all three agencies, XXXX and XXXX XXXX removed the collection form both of our reports. However, XXXX has left the collection on our reports despite filing two disputes.

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