BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
credit card company agreed to delete the account from my credit report, but i have waited more than a year and is still not deleted. We agreed to do pay to delete so i don't know why is still shows on my account. 

I have disputed this issue with all credit credit bureau but nothing is solve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
letters was sent to the companies including police report stating that the following credit cards and credit lines was open by someone else and I am a victim of identity fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 Funds were taken out of my checking account without my consent. I am currently in XXXX. I have been here since XX/XX/2023 and do not return until XX/XX/2023. This is information I provided chime and information I provided proof of. Funds were taken out and put into a " XXXX XXXX  '' account. I DO NOT have a XXXX  account. XXXX is not even allowed to be used where I am located currently, in XXXX. I reported these charges RIGHT AWAY to Chime and literally in less than a few hours after reporting they denied my claim. I then had to report this again and provide more information and told them these charges were COMPLETELY UNAUTHORIZED, THEY ARE FRAUD. I DO NOT have my debit card with me. I am in a location where it would literally be impossible to make transactions such as these. When I reported it again, they sent a confirmation email saying they're investigating and temporary funds would be added to my account by XX/XX/XXXX. Then right after receiving that email, within a few hours of reporting AGAIN, they denied the claim. They are not taking into account any of the information I'm providing. I even offered to sign a statement that states that these transactions were not done by me. I provided proof of me being in XXXX and can provide even more proof if needed. I need my funds back ASAP. They are absolutely not doing ANY sort of investigation and just blindly denying my claim despite overwhelming evidence in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been receiving phone calls with the user ID under " PortfolioRecovery '' for a while now. The first time I've got a phone call under this user ID, I answered because I wasn't sure what it was for but I only received an automated voice message so I just hung up. But after that, they've constantly been calling me through different state areas and different numbers. I started blocking the phone numbers that were under the same user ID but it still hasn't stopped " PortfolioRecovery '' trying to contact me. I used to just ignore the phone calls but for today, XX/XX/2021, I first ignored their call but ended up calling back under the number I received to see if I may be able to get a hold of an actual person. I was able to talk to a human on the other line but she was not at all willing to give me any information when I asked her what the calls were about. She was unwilling to provide me any information on this company 's intentions except for the company 's name unless I'd share any information about myself to her. She mentioned something about debt but that was about it and wouldn't tell me anything such as why they were calling me or what this company was about until I provided my first and last name. After I did, she told me that my number might be the incorrect number for the person they have on file. I asked if it's possible to get my number off that list and she told me that I should just answer the next phone call I get from under this company to let the other caller to stop calling me. It's been months where they have kept calling me. I thought it was just a random number and I'm able to just block them from contacting me but this company has been calling me with different numbers from different states and I honestly feel so harassed because it disturbs me during my work times and other times. I've already talked to an associate that apparently works for the company but she just told me to wait until I get another phone call to let the other know to stop reaching out to me. Also I had to call them twice because the first call I had with them, the phone associate wasn't able to give me answers to my questions about why they were constantly calling me and ended up just ending the call. So I had to call them the second time to finally get one information out of them except with the same answer for the rest of my questions. They wouldn't discuss what the company did unless I gave my full name. The person on the other end of the call, I believe were the same person when I called both times, was very vague and wouldn't discuss why the company would keep contacting me and said that the company contacts people for personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Ifoundoutthatsomeofmycreditreferencesarenotshownbuthavebeensubmittedandvalidatedwhilelookingoveranupdatedcopyofmycreditreport.Pleaseconductanotherinvestigationandsendmethecredithistoryasshownbythemerchant'sletterthatisconnectedtomycreditreport. The information on my credit profile below appears to be somewhat misleading and incorrect, so I am formally requesting that it be CORRECTED. In accordance with the Fair Credit Reporting Act, 15 USC section 1681i, you must complete your investigation within 30 days ; otherwise, you will be in violation, and the Federal Trade Commission may conduct an investigation : XXXX  XXXX XXXX Balance Owed : {$480.00XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1600.00}

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 2023-02-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX  shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2021 I became locked out of my coinbase account because of a flaw in their system that was asking me for a 2 step verification that was not activated on my end but coinbase app and website was asking for the verification number that was not active on my end so Im not sure what number coinbase is expecting. On XX/XX/2021 I filed for support and was given case # XXXX. Since then I have only received generic emails after multiple attempts at contacting them via email and there links on the website. They have no phone number to call. I have over $ XXXX amenrican dollars that I am locked out of for close to a month and have not received an email from an actual person only automated responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-24
Company: DISCOVER BANK
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXXXXXX  I mailed a certified letter to Discover Financial Services. The letter explains the inaccurate reporting on my consumer report. Discover provided a 1099C for tax year XXXX. I submitted the 1099C as income when I filed taxes for XXXX. 1099C is a cancellation of debt. According to IRS publication 4681 a charge off is defined as gross or ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of this account on my consumer reports inaccurate. I requested the deletion of this account from all my consumer reports due to 15 USC 1681s-2. Discover responded with a letter dated XX/XX/XXXXXXXX  stating their reporting of the balance and account as valid. Discover also mailed a packet of statements reprints that I did not request ( dated XX/XX/XXXX ). Discover Financial Services are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A fraudulent loan company gain access to my account information by pretending they were going to loan money. When i realized it was a scam I contacted Chase bank on XX/XX/XXXX. Chase bank froze/restricted the account on XX/XX/XXXX after the fraudulent activity on XX/XX/XXXX. I receive Social Security Retirement benefits which are directly deposited on the XXXX of the month. When i went into the bank i was told that my account had been restricted for the fraudulent activity and that Social Security Direct deposit for XX/XX/XXXX had not been accepted and would be returned and that any payments that I had setup to pay from my account would also be returned. I was also told that chase no longer wanted me for a customer and they were closing my account. 
I informed them that i had contacted the bank on XX/XX/XXXX to let them know about the fraud/scam and that i had filed a police report as well with the local authorities. I then went to Social Security to change my direct deposit information on XX/XX/XXXX. On Monday XX/XX/XXXX I contacted Social Security to see if the direct deposit had came back and I was informed that it had not. I then contacted Chase bank and found that they had received the Social Security direct deposit on XX/XX/XXXX and it was on that account, however they had refused my debits that came in to be paid on XX/XX/XXXX. I went into my local Chase branch and they are refusing to release my Social Security payment for XX/XX/XXXX because of the fraud/scam activity on the account. I have no other source of income and none of my bills are being paid for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Experian In reviewing my credit report from Experian, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete.

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 2022-06-15
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
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 requested a goodwill adjustment from my mortgage company so they can remove late payment status on my credit reports. On my XXXX, XXXX, and XXXX credit reports I am showing late payment status ' for the periods : XX/XX/XXXX and XX/XX/XXXX. I have sent letters and faxes all on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In each letter, the response from the mortgage company has been " they will get back to me shortly ''. But I never receive a follow-up from anyone at the mortgage company which is why I continue to send a letter and a fax each month. 

I have been in good standing and making my mortgage payments on time since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Paxful Holdings, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received apparently employment from Paxful Company via XXXX and when I was supposed to work as office assistant I end up working a vendor for bitcoin they ask for XXXX and XXXX XXXX  without telling what for I thought was for my payment but they use clients to pay then we transferred that money to them using those app, but i told them I didn't want to use my account and they did someone send me found today {$500.00} XXXX XXXX and I told them why I was receiving that thru my XXXX account she said sorry. Then she asked me to transferred the money to them in many different forms where it was keep failing because of account, so she gave many accounts from apparently XXXX and they fail too I spoke thru my bank stating that they did pass zelles account that why they fail. They keep calling to send the money or I be in trouble this is very weird, and I think they are scamming people. Please help me they have my information due to i was XXXX for a job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I asked for an up-to-date accounting of payments. My first attempt was ignored. The second and third attempt received a response threatening to demand full payment immediately, because the payment ( s ) were late. It seems that the payments go to one department and questions about payments are sent to a different department. Neither of which coordinates with the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as I assumed it has to be. I have not been able to get from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I use PayPal quiet frequently

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX will not dispute the true ownership on debts with Capital One, however, I did go through a very serious medical problem starting in 2017 that is now behind me. This problem caused me to fall behind on several credit items, but now I am 100 % healthy and wish to make amends with my last creditor Capital One. Even though Capital One shows charge off amounts of {$4500.00} and {$2000.00} respectively, those numbers consist of 180 days of penalties and interest applied within the 180-days pre-charge off timeline. This timeline is established under Code 5000 FDIC specifications of debt between standard ad sub-standard debt. In essence both credit cards accrued approximately 22 % extra basis of debt between the last payment date of XX/XX/2917 and the charge off month of XX/XX/2017. Essentially, the basis of both charge cards collectively was {$1400.00} less that the total accrued amount of {$6500.00}. I believe the true basis of debt on the last payment date was {$5100.00}. I therefore offer a one time payment of {$3000.00} or 60 % of basis to settle these accounts in full. I believe this is fair and reasonable. Please reply to my personal email address and by regular mail to my home address so that we can resolve these accounts as quickly as possible. Thank you for your cooperation and consideration in these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation