BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am currently having issue with coinbase. They have disabled my account since theXX/XX/XXXX. I can not access my funds, i have submitted a few tickets and sent messages on XXXX but still no luck. I have submitted proof of id and passport on the XX/XX/XXXX. As was requested by coinbase. My email address is XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have Been Disputing the Collection account XXXX XXXX with Equifax since XX/XX/2022. I have requested the deletion of this account at least twice with Equifax because it is reporting inaccurate information and is in violation of the FCRA. When compared to XXXX credit report the information has inconsistencies. The PAST DUE amount is showing {$2900.00}. A collection agency should never report a PAST DUE Balance on a collection Account. It has been reporting this inaccurate information for over 3 years and has affected my credit score with a negative impact preventing me from getting Credit with other companies. This inaccurate info has been hindering my credit growth and has violated my consumer rights. It shows the Original amount is {$2900.00} and that is not correct. I never Received a letter from XXXX prior to them reporting this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: MS
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:
XXXX, Equifax and XXXX  is reporting this repossession inaccurate on my credit report. First  XXXX  and Equifax is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. XXXX  and XXXX  is reporting a month term. This car is a repossession it should not report a term length. 

XXXX is reporting the date of last activity as XX/XX/2019. XXXX  is reporting XX/XX/2019. Equifax is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I open a credit card in the store with Target two years ago I have not received a statement since. Then I received a letter from a collection agency stating I owed {$290.00} when the original charge was XXXX. I explained that I never received any statements Target mailed me copies of the statements that they received back return to sender because Target had the wrong address for my home address and instead of calling me two years ago to correct the situation they just ignored the problem. When I called target they told me the account was no longer with them to call the collections agency I called the collections agency and they staid to call target back and forth for days with no results. The last person I spoke to was XXXX employee id XXXX she told me there is not anything she could do that I had to pay the total amount I feel this is a bank error and I should only have to pay what the original charge was {$44.00} Target was rude and did not try to assist me in anyway. XXXX said over and over again that Target will not settle the amount when it is a bank error and it is affecting my credit reporting the wrong balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act ; 15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 604A, Section 2 also states a consumer reporting agency can not furnish an account without my written consent The agencies listed below has violated my rights : XXXXXXXX XXXX Acct No : XXXX XXXX {$4400.00} XXXX XXXX XXXX  Acct No : XXXX XXXX {$0.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$6200.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX Acct No : XXXX XXXX {$3800.00} XXXX XXXX XXXXXXXX Acct No : XXXX XXXX {$790.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account Number : XXXX Please BLOCK this account from credit report 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 2. IXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 3. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 4. XXXX  XXXX XXXX XXXX XXXX Account XXXX : XXXX Please BLOCK this account from credit report 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 5.XXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 2022-05-31
Company: EQUIFAX, INC.
State: PA
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 following accounts are reporting by XXXX XXXX XXXXwithout my consent or written prior authorization. 

Pursuant to 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. 



XXXX XXXX XXXX, south carolina for XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, south carolina for XXXX XXXXk. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received a catastrophic injury to my XXXX, I had XXXX surgery XXXX months ago. My pay benefits from XXXX ran out in XXXX of 2015. I was forced to retire at age XXXX. My monthly income has been severely decreased, and I am barely hanging on to my home. I reached out to Keep Your Home California ( KYHC ) for help. KYHC found that I am eligible for a principal reduction. I order to get a principal reduction, I must work with my loan servicer, Bank of America. Bank of America is refusing to give me a loan modification thru their Hardest Hit Fund- Principal Reduction Program. My eligibility with KYHC will expire on XXXX XXXX, 2015. I have sent in evidence of my physical condition, doctors verification, pension award letter and more. Bank of America is unwilling to help. Bank of America is insisting that I commit to a short sale, or keep the Balloon ARM mortgages that I have with them. The same type of mortgage that I had with Countrywide. I am current on my mortgage payments for now, however I am not sure how long I can keep up with these payments. My second mortgage will increase next month. I really need help with Bank of America before it is too late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Deceitful reps, inaccurate information, jacked up fees and undisclosed rates have significantly increased my loan balance. The availability and transparency of other payment options, military benefits, and other programs designed to help me pay back my loans were not readily available and convoluted and inaccurate when speaking with reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, has viol ated my rights. 


15 U.S.C 1681 section602 A. States i have the right to privacy. 

15 U.S.C 1681 section 602 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 2021-11-11
Company: Experian Information Solutions Inc.
State: SD
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 was sent an alert on XX/XX/21 indicating that an account with XXXX XXXX  was potentially negative. I was told by a XXXXExperian representative that the account is being reported as an open account and the account was closed with no balance. the information being reported is not accurate. there is also an account with XXXX  XXXX XXXX XXXX that is being reported as an open account through experianXXXX XXXXnd the account was closed years ago and has a XXXX balance ; it was paid in full. also, i have never had an account with XXXX XXXX in XXXX, XXXX  XXXX ; i was provided a letter from the bank indicating that no such account ever existed and that it would be removed and this was provided to the credit bureaus and it is still sitting on my credit report as an account that belong to me and it never has. the XXXX XXXX  account was paid n full and that is not reflecting accurate information. also, the balance on the XXXX/XXXX  account is incorrect ; it is being reported incorrectly and i was told that XXXX no longer has the account so the creditor information is not correct. the balance was a lot less than what is being reported by experian.

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 2022-05-31
Company: EQUIFAX, 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. IXXXX  XXXX XXXX XXXXXXXX XXXX XXXX : Account Number : XXXX Please BLOCK this account from credit report 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 2XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 3. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 4. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 5XXXX XXXX XXXX XXXX Account Number : XXXX Please BLOCK this account from credit report 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 response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
It has been more than one year since contacting you requesting help with my incorrect ending balance at bank of america who is the servicer of my home loan. I have tried unsuccessfully numerous times to refiance my mortgage loan dating back to 2013 first with bank if america then next with XXXX. BOth banks will not close my loan unless I pay a balance that is incorrect. Bank of American has added to fixed 30 year monthly payments and ending balance incorrect forced insurance, late fees. Reported too all Credit reporting agencies my loan as being late over the past twelve m onths. Impacting my credit reporting scores to be too low to obtain another loan. MY current rate is XXXX plus. I have lost out on over three years of XXXX to XXXX per month in loan savings

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 2022-05-31
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: Information belongs to someone else

Complaint:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts 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 non-monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # : XXXX, # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Sterling Infosystems Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Sterling Infosystems XXXX, OH XXXX The above company conducted a background check for a potential employer. They reported a forfeiture u violation as a felony to the company. They did not reach out to me prior to publishing these results. An example of a forfeiture u is a speeding ticket so there is a huge difference between these violations and felony. 

When I called in to dispute I found out they did not have a phone number on file, a correct address, or an email. I received no opportunity to dispute prior and they published the results to the company before contacting me or providing the report. 

They have acknowledged their mistake and said they will file an amended report. However the damage is already done and it is too awkward a situation for me to step into with the company. 

They offered no apology during the process and did not seem to understand the severity of their mistake. 

I still have not received a copy of the report either the initial one or the amended via email or in the mail. 

Please let me know if you need further information for the complaint to be filed. 

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 2015-04-15
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
An ATM debit card claim was made with TD Bank for items I returned to XXXX several weeks ago, its been at least 60 days since claim was filed, still unresolved. The total amount of the claim is XXXX, billed in XXXX installments of XXXX XXXX and a XXXX amount of XXXX. Their rep, XXXX XXXX, stated XXXX of the payments are scheduled to be credited back by the XXXX in the amounts of XXXX and XXXX. It is now the XXXX and no credits are showing, several messages have been left for XXXX, none were returned. I personally left XXXX messages on her voice mail as well as with XXXX different reps, still no call back. Unless XXXX has provided additional information, then there should be credits issued, the items were returned and tracking information provided as well showing delivered. XXXX disagrees with the items returned, saying they are not what was ordered and or not their product. The reason for return is because they are not what I ordered, XXXX and I are in disagreement over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Company name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX O Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired XX/XX/XXXX XXXX  XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/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 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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXXXXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rightsXXXX XXXX XXXX XXXXXXXX  XXXX account number XXXX has violated my rights, XXXX XXXX XXXX ACCOUNT NUMBER XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rights, XXXXXXXX XXXX  account number XXXX, XXXX XXXXXXXX XXXX  XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX, US BANKRUPTCY COURT ID NUMBER XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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 2020-11-11
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 explanation
Consumer complaint received 2023-02-22
Company: Presto Loan Center, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2023 they call me that I have to pay {$650.00} off my title loan before they come for it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation