BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was an account holder with Coinbase for nearly 7 years. On Friday XXXX XXXXXX/XX/2023 I noticed that I got email indicating withdrawl from my coinbase account for 4 transactions that I did not authorized. I have enclosed 4 transactions as attachments. Hackers hacked into my account and sold crypto currency and transferred money into 2 bank accounts that donot belong to me.I called coinbase within one hour and asked them to cancel transactions and they refused, instead blaming me. Here is their responce XXXX XXXX, Thanks for your patience while we reviewed your case. 

We understand that youve reported unauthorized activity in your Coinbase account. If an unauthorized third party accessed your account, its likely that your email account, password, 2-step verification codes, device, or some combination of these, were compromised. 

Our records show that on XXXX your account was accessed from a XXXX device and the XXXX address XXXX / XXXXXXXX XXXX The unauthorized activity youve reported may have been initiated by a third party who has access to your device, email, password, 2-step verification security codes, a combination of these. 

After gaining access to your account, the following transactions occurred : XXXX, XXXX XXXX  / a withdrawal of {$4900.00} XXXX, XXXX XXXX  / a withdrawal of {$4900.00} XXXX, XXXXXXXX XXXX / a withdrawal of {$4900.00} XXXX, XXXX XXXX  / a withdrawal of {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2020 mailed validation letter to confirm what they say I owe that's on my credit report. I told them I did not agree with the total. 

Certified mail # XXXX XXXX XXXX XXXX XXXX Delivered on XX/XX/2020. 

Unvalidated Debt Amount : XXXX XX/XX/2020 sent letter to XXXX, XXXX, and XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
For the first time I disputed a charge on my credit card due to non-delivery of an item I purchased. 

Basically, Capital One ignores information already provided in previous responses and/or requests information that is meaningless to the original complaint. I have copies of everything to share. I prepared in a PDF and redacted what I believe is all the personal identifiers. 

Clearly, NO ONE is actually reading the material I provide. Some of the information I used to dispute the charge ACTUALLY came from Capital One itself. To counter the claim, the Seller provided a copy of proof of delivery. The proof of delivery included 2 items ( 1 ) a mobile phone holder -- which I did not order and ( 2 ) reference to the item I did order. According to the customs declaration the 2 items weighed .06 kilograms or 2.166 ounces based on my conversion chart and were valued at {$5.00} The item I ordered? A gasoline powered car washer that weighs over 40 lbs. Anyway, Capital One blindly forwarded the proof of deliver slip without realizing discrepancy. I wrote back and carefully outlined all the discrepancies in the Seller 's response and still Capital One want more information - much of which was in the first reply. 

My theory is the Seller ( XXXX based ) added the item I purchased to a tracking slip for an item I didn't and gave that to Capital One. Once again, I have copies of EVERYTHING. This is a scam and Capital One is inadvertently an accomplice by not relying on the information provided. 

To make matters worse they want me to solicit another Seller of the same product to find out how they would have handled this matter. I AM NOT JOKING. What does that have to do with how this Seller handled ti. 

Clearly, Capital One is not reading the correspondence they are receiving. They ask the same questions already answered ; or XXXX questions like did I return the item when the complaint is about an item never delivered ; or want 3rd party opinions ( which I am suppose to gather for them ) on how they would have expected such a complaint to be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: SELECT PORTFOLIO SERVICING, 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: Account information incorrect

Complaint:
Couple different items occurred with Select Portfolio Services. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report.

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error.

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data.

It looks a lot like Select Portfolio Servicing is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for and received this XXXX XXXX  card from Comenity on XX/XX/XXXX. I was able to make purchases on XX/XX/XXXX and XX/XX/XXXX. 

I have never received a card for this account. I called Comenity multiple times and have been told that a new card is on its way, only to receive letters each time stating that I can't be issued a card at this time. 

I was told as an alternate, I could enter my SSN, ZIP, and provide ID at XXXX XXXX XXXX XXXX to use my account. I recently tried this twice, and had the transaction declined : XX/XX/XXXX XXXX  XXXX, CO XX/XX/XXXX XXXX  XXXX, CO I called and was told on XX/XX/XXXX that this a a " cardless account '' - no card is issued for it. I tried to purchase with my SSN on XX/XX/XXXX at XXXX XXXX in XXXX, CO, and the transaction was declined. 

I again confirmed with Comenity on XX/XX/XXXX that this is a cardless account and that previous CSRs who told me they were sending a card were mistaken and giving me bad information. 

I then tried to use my SSN and ZIP and ID at XXXX XXXX in XXXX XXXX on XX/XX/XXXX, and the charges were again declined. 

I tried to use my SSN and ZIP at XXXX XXXX  in XXXX XXXX  on XX/XX/XXXX, and the charges were again declined. When I called Comenity, I was told that I could only make transactions if I had a card. 

Summary : Comenity has failed to send me a card for 16 months, has declined all my transactions despite being in good standing, and has given me directly contradictory information about whether I needed a card or not. Repeated escalation has not worked, and I have been humiliated at XXXX XXXX stores at least XXXX times in the past XXXX months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 and XX/XX/2022, applications for credit cards were put in under my name and social security number for comentiy bank/sony visa XXXX and the application was denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: NV
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, 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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE FRAUD ADDRESSES LISTED BELOW XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX FRAUDULENT INQUIRIE LISTED BELOW XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit Unions THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: GA
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:
XXXXXXXX XXXX XXXX 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 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have the right to My privacy

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 2018-02-26
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do owe the following debt collectors ( XXXX XXXX, XXXX XXXX ) nor was I ever contractual obligated to them. Once a debt has been bought, paid and/ or charged off, then it's no longer a debt, it's been sold and paid for. And with any contacts once the contract been sold, the original contract becomes void.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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:
In accordance to the Fair Credit Reporting Act XXXX Account XXXX, XXXX, XXXX, 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 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 2018-05-12
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX i received a alert from equifax saying that there has been a change with my credit card account issued by my bank XXXX XXXX XXXX XXXX Account closed at the consumer request.I updated my Equifax report on XX/XX/XXXX and took it to my bank XXXX XXXX XXXX XXXX sent notification to Equifax on XX/XX/XXXX and i disputed the account the same day i have supporting documents from my bank.On XX/XX/XXXX My credit file was updated my credit card account was reporting open.On XX/XX/XXXX my credit file was updated credit card close at the consumer request.XXXX, XXXX has been compliant by updating my credit card account at XXXX XXXX XXXX XXXX request.Equifax is being non compliant and is breaking the fair credit act law.I Will be submitting supporting documents to back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Incomm Holdings Inc.
State: TX
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:
In XXXX I was given a {$500.00} Visa Gift Card as a XXXX present from my employers. When I first attempted to use it, I was directed to a site where I could check my balance and see what's going on. It showed I had made a transaction to XXXX for the purchase of an item that was not me. I attempted to resolve it with XXXX to see if they can reverse or stop the charge from going through. They said I would need to wait for the card to go through then dispute with Vanilla Visa Gift Card services. I did that. I was assigned a case number. I followed up and received a received a replacement card in XXXX of 2023. At this point it has been 5 months. I received my replacement card and found I can't even activate it. It was saying my date of birth was incorrect. I followed up with Vanilla Visa Card services and they are telling me it is going to take further time to resolve this issue and provided me with a new case number. I don't know what else to do but people need to stop buying these cards, as they make it extremely easy to be scammed and on top of that they make it difficult to access the funds. Please help. Please. I can't imagine how many non profit companies accept gift cards and then aren't able to use them .Do not purchase a Vanilla Visa Gift Card XXXX I will be letting my employer know the trouble it's been and request a different bonus option.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Loan # XXXX - Company Name : Specialized Loan Servicing, XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, XXXX XXXX - Representative Name : XXXX Employee # XXXX. 

Date : XX/XX/2020 Problem : Mortgage Payments made in Advanced for XXXX and XX/XX/2020 for {$1800.00} for each month. 

Specialized Loan Servicing ( Collector ) on behalf of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA. XXXX ; received and processed these two advanced monthly payments to the Principle only, and refused to apply the payments to the months of XXXX and XX/XX/2020 as instructed in writing and posted on the cashed checks. 

On XX/XX/2020, Specialized Loan Servicing sent us another payment due for {$1800.00} for the Month of XX/XX/2020 ( AGAIN )!! 

Specialized Loan Servicing ( new loan processor/ collection ) are violating our agreement with the Original Lender ( Mortgage Note attached ) who accepted all our advanced payments and posted them correctly to the following month.

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 2021-09-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
While we were out of town at a wedding, we had an issue with our HVAC. The condenser in the attic flooded the office and guest bathroom and hallway. 

Luckily, we were insured by XXXX  XXXX  XXXX  XXXX  XXXX  # XXXX. There are mediation specialist told us there was at least {$10000.00} worth of damage, unfortunately after our {$2000.00} deductible, we were issued a check for {$1600.00} ( after over a month, with ceilings ripped out and insulation blowing around ).

Honestly, we were just thrilled to get anything so we could afford to make the house habitable again. I belong to XXXX  XXXX  XXXX XXXX, and they somehow manage to hold off the checks I deposit for 10 days, business days. 

As the check was written on Wells Fargo, I went there to cash it on XX/XX/XXXX. They refused. In the interest of full disclosure, the check was written out to my partner and I, who are co-owners of the house. The teller told me I would have to come back in on Monday with my partner. I suspect if we were a straight couple, it wouldve been less of an issue. 

Nevertheless, on Monday XX/XX/XXXX, my partner and I arranged for lunch times to go over to Wells Fargo. They again refused to cash the check that was drawn on them!!! 

They went on to tell us that even if they were willing to cash it, there would be a XXXX dollar check cashing fee. When did banks XXXX XXXX XXXX XXXX hold our money hostage? 

There is nothing about the situation that I am OK with. If I couldnt cash the check, which the teller had on Saturday, she should not have told me I had to come in on Monday with my partner. And when my partner and I went into cash the check, they shouldve cashed it. Also the insurance company pays for that account, they should not be extorting more money out of 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 2020-08-14
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: JPMORGAN CHASE & CO.
State: FL
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 impacted by XXXX, XXXX, and hurricane dorian. I was also in a car crash. I was told I could skip a few months of payments by the redemption department. XX/XX/2019 needs updated as it wasnt missed. I was also military active duty. I gave them a plethora of information. The phone team read the disclaimers and advised the XX/XX/2019 payment would be skipped as it was not due, but because of their redemptions teams error it is showing I missed a payment still. Please update this on all credit agencies. XXXX, XXXX, and experian. Please also provide me a letter in writing to both email and conventional mail once corrected I can have for my records. I can not speak on the phone due to a XXXX currently. Please fix this error asap. I should have no missed payments showing from your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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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