BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: Coinbase, Inc.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
TO DUE NOT HAVING A PHONE NUMBER THAT I DO NOT SUBSCRIBE TO, OR OWN, COINBASE IS REFUSING TO ALLOW ME TO WITHDRAW FROM MY ACCOUNT. 

At this time the Coinbase continues, AND I MEAN, continues to engage in practices that makes it difficult to retrieve my cryptocurrency. I can not withdraw because the company is asking me for a phone number, XXXX That's right, A PHONE NUMBER! I no longer pay a XXXX to use that phone number, and I can not input my new number XXXX, unless the old phone number is on. I no longer have that old number and it is not my number, it belongs to XXXX XXXX, not me. Until this company allows me to have unfettered access to my account, I maintain that they are making it difficult to keep my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
My XXXX XXXX Bankruptcy started in XX/XX/XXXX, Account no : XXXX and it was removed from my Equifax credit report in XXXX, XX/XX/XXXX. In XXXX, XX/XX/XXXX it was placed back on my credit report now showing a different name. IL FED Bk CT-East XXXX XXXX. Account number is still XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I applied for a new service with XXXX on XXXX XXXX, 2016. I requested that they not pull my credit report, and that I would pay the {$100.00} security deposit to forego the credit check. I have the receipt from XXXX. They still pulled my credit report without my permission. I disputed this information with Equifax, and I was denied because they said hard inquiries are " factual data '' and there is nothing that can be done on their end. I initiated a ticket with XXXX at the end of XXXX, and was assured it would be removed. Ticket # XXXX. I called XXXX XXXX for an update and they said someone was taking care of it from collections and would call me within 24 hours to confirm everything was taken care of. It is now XXXX XXXX and nothing has changed. I called XXXX XXXX, and no one knows why the ticket was closed, and can not provide information as to why the hard inquiry is still on my report. I have the receipt of {$100.00} to show proof of my deposit. XXXX can not access my credit report without my permission. Can I sue under the FCRA? There has to be protection for the consumer. This is ridiculous. I 've wasted more time, and my privacy was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I am with the GAp credit card for more than 7 years. I always pay my bills on time. In the month of XXXX, I was XXXX till XXXX. I called and made a XXXX payement for XXXX, and then called back XXXX XXXX for a XXXX 2016 payement as I was XXXX. I have the confirmation number, I am in shock as I received a letter from synchrony bank, stating that I cancelled the account, when I had a balance which I have never done. I spoke to a supervisor named XXXX ( employee # XXXX ) only to be informed that he could do nothing, to retrieve the conversation reflecting that I closed the account. Do you think this is fair to a consumer that these corporations not only charge interest, but falsely accuse u of closing an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: Resurgent Capital Services L.P.
State: CA
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 NO knowledge of this account ( s ) Have been disputing this information for a while now ( 30+days )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: CA
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 a discharged/dismissed Bankruptcy on my credit report that I have tried to dispute with the bureaus to remove since it no longer legally exists ; this item can't be verified with the courts and is only verified via public record with XXXX XXXX. I want this item removed immediately. My first dispute I mailed on XX/XX/XXXX then another one on XX/XX/XXXX. Today is XX/XX/XXXX and no bureau has supplied me any proof or documentation that this is valid, and since it can only be verified via PUBLIC RECORD it is not a valid account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$100.00} Vanilla Visa gift card as a holiday gift from my boss in XX/XX/XXXX. I never opened the cardboard packaging to use the card until XX/XX/XXXX. When I went online to make a {$10.00} purchase, it was rejected for insufficient funds. I looked at the balance of the card on their website, only to find out that the card had a {$0.00} balance. There were 20 - {$5.00} XXXX XXXX gift cards purchased with this gift card on XX/XX/XXXX. I immediately contacted Visa on XX/XX/XXXX via phone, and submitted a dispute form to them the same day. They finally responded on XX/XX/XXXX with a resolution letter, denying any recourse, as they said " The Payments Network allows recovery efforts to be submitted within 60 days of the date the transaction cleared the account. Your claim is outside of this timeframe. Unfortunately we have no rights of recovery. '' These fraudulant purchases were made before I even received the card in XX/XX/XXXX - I had no way of knowing that the card had been hacked! Their decision had no thought or care as to the events that preceded my dispute being filed. They just don't care. 

I sent another email to their gift card disputes department on Friday, XX/XX/XXXX, asking that they reconsider their decision due to the fact that the card was hacked on XX/XX/XXXX, and I didn't receive it until after the 60 days of recovery had expired. I tried calling their customer service department, and spoke with XXXX, who told me I had to wait for someone to respond to my email. I am just getting the run-around from Visa, and I am totally frustrated with them. My boss spent {$100.00} on a gift card that didn't have any value on it when he purchased it, and passed it to me, thinking he was giving me a nice gift. 

I am unable to attach my emails to them, but am more than happy to forward them to you if you provide me an email address by which to do so. 

I am hoping you are able to help to obtain a replacement gift card from Vanilla Visa, as the way they treat a victim is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Advanced Collection Bureau, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Not aware of the debt. Never received any communication regarding the debt. I want to dispute this collections record on my credit report. I want this to be removed ASAP.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XX/XX/XXXX the XXXX County Clerk recorded a tax lien by the CA Franchise Tax Board, Ref : XXXX. We were not aware of the lien as our taxes were being handled by a 3rd Party. 
On XX/XX/XXXX, the County Clerk filed a Release of Lien, Ref : XXXX. 
On XX/XX/XXXX, after we challenged the lien with the Tax Board, the County Clerk recorded a " Lien Recorded in Error '', Ref : XXXX. This recording recognized that the Tax Board had acknowledged that the lien had been recorded in error. 
XXXX and XXXX removed the lien record from our credit report, without our having to request it. Equifax did not. 
Beginning on XX/XX/XXXX, we submitted, on XXXX occasions, requests for the removal of the record of the tax lien. Three times XXXX reported that they had investigated the matter and concluded that they were correct in continuing to show the record of the tax lien, subsequently released. We submitted certified copies of the recorder 's filings, clearly cross-referencing each of the XXXX documents to the " Document No '' referenced on the first filing. 
Equifax claimed that the release in error did not relate to the lien filing document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from Convergent Outsourcing I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Convergent Outsourcing in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
I noticed a XXXX accounts on my report I do not recognize

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 2017-04-21
Company: Navient Solutions, LLC.
State: MN
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:
I contacted  XXXX   XXXX , now Navient 10 years ago to make sure I was doing what I needed to do for Loan Forgiveness For  Public Service. I h ave worked full time in the school system and have made every payment. I was told 10 years ago that I was in the program because my loan is a Stafford Loan through FFELP. I thought all I had to do is make the 120 payments, remain employed and the loan would be forgiven. Now I am told that I was never in the program because I did n't consolidate into a Direct Loan. I consolidated in  XXXX  and until a month ago when an ombudsman said anyone in this program needed to consolidate in  XXXX  I had no idea. I do n't know if they just did n't know what they were doing or purposefully lead me not to move the loan because they would have lost the {$60000.00} I have already paid as well as the {$41000.00} remaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I recently received a credit card From XXXX XXXX and the legal information on the back of the page with my card says that " Under Federal law, you have the right to obtain a copy of your credit report without charge for 60 days after you receive this notice. To obtain your free report, contact Equifax : ... '' Listed after this are the phone number a mailing address and a Website. I tried by phone and via the Website and I was unable to get a free credit report. 
The Website has a section entitled " Reason for Credit File Request '' of which none of the responses matches the exact nature of my inquiry and none that I tried because they are close, will produce a free credit report. In all cases, my only option is to pay for the report. 
I attempted by phone and after going through all of the prompts I was taken to a busy signal. 
If I am entitled to the report by federal law I believe they are violating that law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against XXXX XXXX multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$2500.00} / {$2200.00} on two cards and MY balance was approx. {$2000.00} on each card as of XX/XX/XXXX. I do not have nor received the information on card ending in XXXX. Cards were stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had 32 of water from XXXX XXXX after the XXXX tax day flood of 8. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the cards but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments on card ending XXXX that started on XXXX of {$2200.00} and returned the same day, on XXXX of {$3300.00} and returned the same day, on XXXX of {$4800.00} and returned on the same day. See attached statements. {$10000.00} of bogus payments within two month ON JUST ONE OF THE CARDS and not do anything???????!!!!!! Two months of FRAUD returned payments and they didnt contact me??!! XXXX XXXX should have been alerted on XXXX and contacted me then. I had asked for the payment methods used to make the fraudulent payments and XXXX XXXX denied the request. XXXX of fraud payments in two months ON JUST ONE OF THE CARDS and then cancel an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But XXXX XXXX did nothing and sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$10000.00} laying around to pay it off. Now XXXX XXXX holds me responsible because they dont have a modern system to alert them. To exacerbate the problem, XXXX XXXX concluded the fraud investigation after closing the account, after charging off, after selling debt of one card AND THEN LOWERED THE AMOUNT DUE!

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 2017-04-19
Company: BARCLAYS BANK DELAWARE
State: NE
Product: Credit card
Issue: Other fee

Complaint:
After calling and confirming that Barclays was waving fees for military members, I applied and was approved for the Luxury Gold Card. Shortly after I recieved a statement from Barclay 's confirming my annual fee would be waived along with a reduction in my apr to 0 %. One year later, Barclay 's has come out saying this will no longer be the case, and that I will be responsible for the annual fee of the card going forward. They are claiming that the waivers are being rescinded because they have a new interpretation of the SCRA. While their new assessment is correct, it does n't change the fact that I applied for the card and accepted the credit score implications only after being told that the conditions would remain the same " as long as I remained on   XXXX   XXXX  . '' I have been and will continue to be on   XXXX   XXXX   for the foreseeable future. As I am continuing to meet my obligation under the original terms, I would ask that Barclay 's honor their original agreement with 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 explanation
Consumer complaint received 2022-10-19
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have created many complaints on behalf of AES for not allowing me to put me in a payment plan where my payment goes to my principal is a respectful way. I pay {$270.00} a month and cents only goes to my principal. If you see my payment history, it hardly touches my principal. THIS IS WHY WE NEED REFORM AND NOT A GOVERNMENT BAILOUT! 

- see payment history attached

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had Equifax enter information of a judgement against me that really belonged to a different XXXX XXXX. This report reflected their credit score that they transmit to FICO and the other XXXX credit reporting agencies. Which then reflects onto their reports. The judgement is for a person with the same name but different social security numbers. This is the 2nd time in 2 years Equifax has done this. They should be required to verify identifaction before they submit information on a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Incomm Holdings Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have Vanilla gift cards that were missing but have recently been found. They all have the purchased value but the expiration date is past. I cant seem to be able to have replacement cards issued. Its a complete run around when calling Vanilla Visa customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Affirm Holdings, 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 is missing that should be on the report

Complaint:
Affirm stated that my accounts would be reported to the credit bureaus, which I was fine with. However, I have made over 3 years worth of on-time payments to affirm and never once did they report those payments. Then, out of nowhere they report 3 accounts as past due AFTER I paid them and AFTER they told me that it wouldnt be reported bc I was slightly behind due to an issue with my bank that was recently resolved! Now my credit score has dropped by XXXX XXXX points and theres no way to fix that immediately. They need to remove those accounts immediately. And I cant make additional payments while other payments are processing, which is XXXX and has caused this to happen.

Company response to consumer: Closed with explanation