BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was inaccurate. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXXBalance : {$110.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX Balance : {$64.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened an auto loan onXX/XX/XXXX with XXXX XXXX for a XXXX XXXX XXXX XXXX The car was repossessed in earlyXX/XX/XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with XXXX, Equifax, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my Equifax and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and XXXX, I 've been told that this negative information will show until XX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: GOLDMAN SACHS BANK USA
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is an issue I am having with Applecard ( Goldman Sachs ) : 1. I was approved and issued a card on XX/XX/2019 2. I made 3 purchases between XX/XX/19 and XX/XX/19 totaling {$130.00} 3. I was notified ( via the app ) that my account was restricted on XX/XX/19. No explanation. I was no longer allowed to make any purchases 4. I have contacted Apple/Goldman Sachs many times over the last week with no resolution. They have indicated my account is under review and someone will call me.

5. On Monday, I spoke with a customer service representative and was told I would get a call within 48 hours and I have not.

6. I contacted Apple/Goldman Sachs today to cancel the card since they have not resolved the issue. They told me not only can they not resolve my issue today, that I can not even cancel the card since it is under review.

It seems to me ridiculous that I can not use the card or cancel the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
I received an email on XX/XX/XXXX that a dispute on Paypal had went in my favor after the dispute had gone on for more than 2 months and clearing up a debt that they had sent to collections because I refused to pay knowing that I was wrongfully disputed. In that email, Paypal charged a {$15.00} fee. I went to pay the fee ; however, they will not allow me to pay the fee with a bank account or credit card due to the account being limited from the dispute even though I was not in the wrong. Despite not being able to use their services, I have tried to contact customer support during business hours to at the very least get the fee paid and resolved to avoid such a small fee going to collections. Every time I try to contact their customer service team, I get the following message, " All our agents are currently offline. Please try again during business hours. '' It is currently XXXX XXXX EST and I have just received this same error message. I will attach a screenshot to verify this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: LEXISNEXIS
State: MD
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 name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Genesis FS Card Services, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XX/XX/ 2022 at XXXX XXXX 1 Messenger GFPB WRITE UP all a 0 In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payment made to account in full and on time. The amount of {$1500.00} processed through my bank on XX/XX/19. I called customer service but Synchrony did not apply the payment to my account and has refused to look for it. They have charged me interest, and penalties since then.

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 2017-08-28
Company: CITIZENS FINANCIAL GROUP, 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: Investigation took more than 30 days

Complaint:
I have disputed the fact that I was never late and there is not a pending foreclosure. My XXXX report has dropped nearly 30 points because of this. I did in Lieu of Deed. XXXX paid CitzensOne off. They are stating that the account was late and a charge off. They were paid and the account was not a charge off and there is not an impending foreclosure. Please correct with XXXX, XXXX and XXXX. There were no late payments either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Genesis FS Card Services, Inc.
State: MS
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:
XXXX XX/XX/2022 at XXXX XXXX  1 Messenger XXXX  WRITE UP all a XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: EQUIFAX, 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:
The accounts listed below MUST BE REMOVED IMMEDATELY! I filed a complaint with each credit bureau, local law enforcement and the XXXX about the false reporting of accounts in my name! I also found the identity theif 's name and info and submitted it to law enforcement. Yet these accounts are still on my credit. The accounts listed here do not belong to me : 1 ) XXXX XXXX XXXX XXXX   {$1000.00} Opened XX/XX/XXXX XXXX ) XXXX Consumer {$11000.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX   XXXX {$240.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
We submitted a wire to XXXX XXXX on XX/XX/21. Wire was submitted to there United States bank account ( XXXX XXXX ) after 2 days. XXXX XXXX confirmed there payments team had no records of a wire transfer from my account. XX/XX/21 chase bank got in contact with XXXX  and were told the wire was missing information and thats why its being held, no communication on what the missing information was. Chase bank filed a recall on the wire the same day XX/XX/21. Ive been in contact with XXXX XXXX daily to confirm no changes, They still show no record. 
Wire amount XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient, steered me toward multiple forbearances ( hardship, Unemployment ) instead of income-driven repayment plans, and provided unclear information. I was also informed that all would count towards status of my loans counted towards the PSFl.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was inaccurate. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance : {$2600.00} US DEPT ED XXXX Balance : {$2900.00} XXXX XXXXBalance : {$110.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$2300.00} XXXX XXXX ( Original Creditor : 11 XXXX ) XXXX Balance : {$64.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was inaccurate. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance : {$2600.00} US DEPT ED XXXX Balance : {$2900.00} XXXX XXXXBalance : {$110.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$2300.00} XXXX XXXX  ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$64.00} XXXX XXXXBalance : {$0.00} DEPTEDXXXX XXXXBalance : {$0.00} DEPTEDXXXX XXXXBalance : {$0.00} DEPTEDXXXX  XXXXBalance : {$0.00} DEPTEDXXXX  XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I disputed this item on my credit report and it was verified. I then contacted Kohl 's to dispute the account which I am allowed to do per the Fair Credit Reporting Act and Fair Credit Billing Act. I sent them a dispute letter on XXXX XXXX and on XXXX XXXX they wrote back and said they ca n't verify the account because they no longer have the credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reported inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Its my intention to not pursue any legal action so please adhere to the law Please remove/block the account as they are fraudulent & were opened without my consent or knowledge BK OF AMER XXXX Date Opened : XX/XX/2008 Balance : {$4900.00}

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 non-monetary relief
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: MD
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Tuesday XXXX, I successfully wired in {$5000.00} to Coinbase.com to utilize their cryptocurrency services. Since then, my money has been locked in their platform due to a defect in their identification system, and I have not been able to close my account and withdraw my money since. Despite numerous attempts to reach out to Coinbase support, I have been met with zero replies, and am extremely dissatisfied with their service and worried about the safety of my funds. Coinbase has shown no interest in helping me resolve this issue, and I am very worried that their " identification '' system is simply a cover up to steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-02-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX, XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2020 I called Loanme to make a payment because my bank had returned a payment for NSF due to the teller put my money in my savings account instead of my checking account. I spoke to a lady at the company and told her what had happened. She said she would check to see if the payment had been put though for the second time and if so, I would have to make another payment. She put me on hold for few minutes and when she returned she stated that it had been though two times. After, she told me I need to make a payment over the phone which I did. On XX/XX/XXXX, they took out another payment. I called them about the second payment requesting they return my money since I had other bills to pay. After talking to several people, I was told that I needed to send a print out from my bank showing that the payment was taken out. I did so and called the company the next day to see if they got it. I also inquired as to when they would the put the money back in my account. I was put on hold, then a lady came on the phone and said that they had received the print out and that my money would be put back in my account within the next 24 to 48 hours. After 48 hours had passed I called them again because my money had not been put back into my account. This time I was told that they couldn't use the the print out they needed a Bank statement. My bank statement will not come out until XXXX therefore, they are keeping my money. This has put a hardship on me as I can not afford to pay them twice in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
If you have other complains on this company I will add mine. If not I will just charge it to bad experience. 

Fortiva Retail Credit open an unauthorized/ declined credit card application and send payment of {$2500.00} to a merchant.

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