BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX - 2020 I took a money order received for a truck I'm trying to sale ( I still have the truck ) to navy federal that I bank with. They didn't tell me that I had to sign the back of it ( it's very rear I deal with a check so I really on bankers to tell me what I need to do with the check ) and they made the funds available Tuesday XXXX the XXXX. The money was in my account on Thursday the XXXX. On XX/XX/XXXX I tried to pay my bills and there's no money there so I called the bank and they told me that the check is fictitious. I told them if the check is not real then why did they tell me the check is good and made the funds available and where's my VA XXXX check at. They said that they didn't know at the time I took the check to them the check was not good and because they pulled all the money out they used by VA XXXX check ( {$1800.00} ) to cover some of they debt. I think it took a week and a half for them to tell me that my check is a protected check and they can't legally withhold it from me. So I drew out {$400.00} to pay my bill. About a week later I wanted to pull out {$160.00} and they told me that I'm to far in the debt so I can't access my VA XXXX check. I told them that they told me that it's a protected check and they even told me that they have to make it available to me. They still won't fix the issues they caused and won't release my check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
experian after completing an investigation allows creditor to " re-age '' the account which makes it more damaging and is misleading and inaccurate.the creditor is west asset mgt, account no.XXXX.the account history shows in collection as of XXXX XXXX, when their own previous report shows paid in XXXX XXXX. 
EXPERIAN REFUSES TO RE-INVESTIGATE AS FRIVOLOUS.

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.The Following Account Was A Charge-Of. Balance should be XXXX. 
XXXX Account Number : XXXX The Following Account Was A Charge-Of... 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, 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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am writing this due to non-compliance with the (XXXX, XXXX  ,Transunion). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-08-20
Company: Paypal Holdings, Inc
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My old bank account, that I had to close for it was being robbed. I took my name off 3 years ago. The checks that someone has stolen dose have my name on it. But it is not my account. The Bank knows and will not pay debits on that account there has been quite a lot bad checks. So they are trying to commit electronic fraud .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I opened an account with Coinbase about a year ago. I went to buy some additional crypto currency which was very difficult and then they locked my account. I simply want to cash out with them and they will, not allow it. I noticed on the website " XXXX XXXX '' this is a VERY common complaint with them. All I want to do is cash out, access the cash I have with them which I am 100 % entitled to, but they will not allow me to do so!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/20, I submitted a complaint to the identity theft.gov/consumer regarding the inaccurate information on my credit report. This has been the result of identity theft and has caused emotional distress and turmoil for my family and myself. I would like this to be removed within 7 days 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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 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 2020-03-07
Company: SYNCHRONY FINANCIAL
State: PA
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:
SYNCB/PPC is reporting that I was late on a payment which is totally incorrect. I have never ever been late as you can see from my credit report. One report reflects i was late in XXXX while another report reflectsthe same exact account was late in XXXX. This information is totally inaccurate and my ask is that you will PLEASE conduct an investigation into this inaccurate information that is hindering me from continuing to become the best version of myself. This is causing my health  to go down so please help me!

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 2022-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Yet another dirty trick by Capital One. They have since corrected my report showing my card as " charge off '' but reporting it as " OK '' to lengthen the negative impact on my credit report. Now I see that this charge off is building up interest and now on my credit file as " charge off '' and " over the limit '', and still open earning interest which is the reason I'm over the limit. This account does not follow the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has contacted me at work and via my cell phone, both legal, but they call from a number that comes up as Unknown. I verbally told them to stop calling me at work and on my cell phone as I work XXXX hour days and do not have time to speak to them. The woman from XXXX XXXX XXXX told me she had not called me at work yet when I told her they could not call me there, she suddenly had the number at her fingertips to remove. My greatest concern at this point is that on their Pre-Legal notification, the Date of Default is listed as XX/XX/XXXX but the date of last payment is XX/XX/XXXX. How can an account be in default if the last payment was made in XXXX. Therefore, I am fully and rightfully disputing their claim that I owe {$4200.00}.

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 2016-01-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After recently pulling my own credit report, I found that XXXX is showing I opened a credit card of {$250.00} with them in XXXX XXXX and charged off in XXXX XXXX. This is not true. It 's showing that I have a balance of {$380.00}. I want proof of this. If I did ever indeed have an account with them, I want documentation of the dates opened and charged off because I did not open or charge off any accounts during that time period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Last week I figured out my bank account was frozen by Chase bank after I deposited my first pay check from my new employer which is a very well known name company. They never called to notify or anything. I've been their customer for 10 years. I made the call to find out what happen. Chase informed me they restricted my account due to the check being flagged and now they need to verify with the sender of the check and my employer within 10 days or the account would be closed and all of my funds from the check will be kept by them. This happened after the check had cleared and I had actually made several transactions to pay off all my credit card balances and put money in my stock accounts. Due to them freezing the account they reversed all of these transactions which led to my credit score dropping several points, high interest payments that would of been paid had the transactions been able to finish, forced to liquidate some of my stocks due to transactions being reversed, gym membership and car insurance threating to cancel due to automatic payments not going through. Also I had to loose several days of work going back and forth with Chase both over the phone and in person at local branches. They tell me they need to verify verbally through a registered number from my employer and they will not accept any other way. I've tryed this with them so many times but the number they have to use takes them to voicemail, and the payroll numbers I've tryed to give them to verify with the department that sent the check they say is not registered numbers so they will not accept it as verification. I've been going back and forth between my employer and Chase to try and fix this extremely urgent issue but they just will not be reasonable in any way shape or form. I cant even pay my rent, all of the money I have was from that paycheck. This is a horrible bank that has caused me high levels of stress, caused me to loose even more money by the day, and lost of sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are XXXX accounts still showing on my credit report as negative impacting items that should not be there, as the date opened is more than 7 years old, which is longer than the allowed period for a negative item to be reflected in accordance to the law. I have disputed the credit items with experian and will attach the documentation as needed. I request for them to be removed, as they should no longer show on my credit report. XXXX item is from XXXX XXXX and another XXXX is from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My tax return was deposited XX/XX/XXXX, directly afterwards American Express serve closed my account for having a negative balance more than 15 days. I called their fraud department and was told they would send an email and it could take 2 business days. I called again on the XXXX and they told me a check was in the mail it would take 7 to 10 days. I called today XX/XX/XXXX because I received a text informing me of my balance in an account that should be closed and the representative said there was no record of anything beyond send the initial email on the XXXX and she would send another email starting the whole process over again. I asked to speak to someone who could assist more and was told there was nothing they can do. If they closed the account the money should have been returned right then, not held in an account that can not be accessed. At the very least action should have occurred after the first phone interaction. At this point it is neglect on their part. After seeing that there was no follow up to my initial request their should have been a sense of urgency on their part. Or on the second time I called on the XXXX they should have not told me that my check was in the mail, that was false information. I feel I was lied to about the status of my account on the XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-07
Company: ID Analytics, Inc.
State: OH
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:
I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Sign on the Line, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, Sign on the Line Inc. sent me a mortgage refinance solicitation under deceptive pretenses. Specifically, rather than putting their own name on the exterior of the envelope, they included the name of my original mortgage lender, along with " TIME SENSITIVE NOTIFICATION, '' to make it appear as though their solitication was an important message from my actual lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: WELLS FARGO & COMPANY
State: NE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was a Wells Fargo customer for over 10 years, they were the first account I opened as a young adult. As a young adult I never had much money, in 2010 I was on the phone with them at least once a month, they would rearrange the order of my withdrawls on my account and charge me {$35.00} for XXXX small charges instead of XXXX late fee for the check. I would call them in tears and they would say " well you new that money was coming out, why would you spend it '' ... This happened several times over the next couple years. I never fought it, I was young and living from paycheck to paycheck, pretty irresponsible with my money, i thought i kind of deserved it. So now I hear all that they are up to and I would like to get some kind notice as to what is being done for there customers they took money from? I finally closed my account with them this year because they started chrarging me for moving money from checking to savings, I was so sick all of their XXXX fees and never thought I would get anywhere with them anyway. The victimize low income, young, foreign, I have had many many friends who have had this same thing happen to them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXXXXXX-2022 I attempted to place a credit freeze with Experian. They were unable to honor the security freeze. They want me to mail copies of a governmental issued ID and utility bill, bank or insurance statement and the original info I submitted. My other option was to request a " credit lock '' for a fee. 

It was difficult to find the credit freeze option. It has the appearance of making it difficult for someone to obtain the protection without having to pay Experian. 

Note : XXXX and XXXX were able to process my freeze request 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 2020-03-07
Company: CORELOGIC INC
State: OH
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:
I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!

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