BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Context : I am a resident permanent from XXXX thanks to my dad, after that, I was living in XXXX and was coming back to the USA at least two times per year all this during these 13 years because I was preparing myself to work as a XXXX XXXX  because this is my career and love it. 

On XX/XX/XXXX of XXXX, I decided to arrive to USA because I am very close to obtaining the job of my dreams ( As a XXXX XXXX ). I got my Driver License, I created a Bank Account, and I started trying to get a credit card but all institutions which I tried was refusing my requests thanks that I decided to talk with my sister about it and she suggested to me that I created an account with XXXX to check my credit historical ( Until that moment I didn't know about that ), thanks to that I discovered a lot of cards with a lot of debt on the dashboard of mentioned application obviously I never request these cards ( Only a XXXX XXXX card was requested by me ) for that reason I am here reporting this crime in my name. 

I suspect my dad because he was access to my personal information, and the addresses used on the reported credit cards are addresses where he was living. 

I certify the representations made are true, correct, and contain no material omissions of fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: CO
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 never applied for credit with XXXXXXXX XXXX. I was in middle school in 2016. I would never qualify for credit. I do not have any or applied for any credit at my age. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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:
XXXX, AC # XXXX, XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I AM SUBMITTING A COMPLAINT REGARDING MY XXXX XXXX XXXX XXXX ACCOUNT WITH A XXXX LATE PAYMENT REPORTING. I DO NOT RECALL BEING LATE AS MY PAYMENTS ARE MADE ON TIME AND ACCORDING TO MY RESEARCH ON LATE PAYMENTS, DUE TO XXXX XXXX & THE HEROS ACT LAW, THESE XXXX LATE PAYMENTS SHOULD HAVE NOT BEEN REPORTS AND I ASK THAT THEY BE REMOVED EXPEDITIOUSLY. THE XXXX LATE PAYMENTS ARE FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022. I RECEIVED ACCOMMODATIONS BECAUSE OF THE ERRORS AND SINCE I HAVE BEEN GIVEN ACCOMMODATIONS THAT TOO IS A REASON THESE FALSE LATE PAYMENTS SHOULD BE REMOVED. THIS IS DAMAGING MY CREDIT REPUTATION AND I AM BEING DENIED CREDIT BECAUSE OF THESE MISTAKES.

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 2021-08-31
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I transferred XXXX shib tokens to my coinbase account instead of my connected coinbase wallet by mistake and Ireceivedaconfirmationemailfromthemthattransactionwascompletedsuccessfully. Since then I've opened over 50 support tickets and submitted around 7 complaint forms in addition to over 60 emails requesting help. I don't see tokens transferred in my account or my wallet and wanted them to confirm that they see them and that I haven't lost them already. And I always asked them to move tokens from account to wallet internally so I can continue investing. Most of the time they never responded to me and in the very few times they did, they would lie and say a specialist is reviewing your account but nothing happens and they never inform me of the review results. I've put all my savings in these tokens and I'm suffering every day worrying about loosing my tokens and money. Coinbase has no way to be reached by chat or phone to talk to a real person and they keep contact via support tickets which they never care about in reality. They don't care about their customers needs, questions or concerns and completely ignore them. I need your help please resolving this issue for me and a lot more of coinbase customers. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, XXXX XXXX, am submitting this complaint and no other third party is involved. I have received results back from the credit reporting agency Transunion and the account came back as verified. I'm demanding to see documentary evidence showing how the account was " verified ''. Show me a copy of the documents used to verify the account. The law requires the credit reporting agency to verify information not the creditor. The verification process can not be done backwards. A representative by the name of XXXX XXXX stated the way they verified the account is through the alleged creditor. Section 609 of the FCRA requires the credit reporting agency to send a copy of the documents used to verify the account and the FCRA states they are required to delete all unverified items. If you donot have documents to verify the account that means you did not verify the account and the account MUST be deleted. Transunion is also in violation of the Fair Debt Collections Practices Act. I have not given direct written consent to report any alleged accounts on my consumer report. To do so means you have infringed upon my consumer right to privacy pursuant 15 usc 1692a. Anyone else sending inaccurate information is being false, deceptive, and misleading pursuant 15 usc 1692e.

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 2023-01-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the past three years I have had poor credit ratings due to the way credit bureaus report. The lower your credit for inquiries even though in most cases an inquiry does not increase your debt. Your score should not be affected by inquiries, only increased debt. Financial institutions invariably report bad information and the bureaus run with it. Most of the reports are severely outdated and information is missing. Credit bureaus do not take into consideration your assets which in my case more than offset my debt. One example with XXXX XXXX for example who reported a late payment. The late payment was due to their online payment system being down and as they continued to have problems with their system I paid off the credit card and closed the account. The only thing I got out of that was a reported late payment which stays on my account when I should have received a XXXX on the back for paying off the credit card and closing it. Another case I had a loan which I paid every month and when I paid the last payment the bureaus showed the account as being closed as if I defaulted when actually I completed the payments without missing a single one and the loan was paid. They are pathetic and have no idea about personal credit. They are completely systemized, and it is a bad system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 never applied for credit with XXXX XXXX I was in middle school in 2016. I would never qualify for credit. I do not have any or applied for any credit at my age. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A tree fell though our house six weeks ago. Because we still have a mortgage with PNC, the insurance agency wrote the check to both us and the bank. It has been five weeks that PNC has had the check. 
They sent us a " document Package '' containing all of what THEY require before they will give us the money to stabilize and rebuild our home. PNC has never contacted us to inform us of any issues with the documents. 
We have contacted them at least twice a week to see when we can expect the needed funds. EVERY TIME we have contacted them, they claim one of the required documents is not right. We have always instantly responded and uploaded the changes or requested information. We have begged, requested and demanded that they tell us exactly what we need to submit and for five weeks, EVERY TIME WE CALL, there is another issue. We have escalated our concern to highest level of management today but do not expect any resolution soon. 
We have spent thousands of dollars of our own money to help stabilize and reconstruct our home. We just opened another line of credit so we can purchase supplies for the construction company. The construction company is now threatening to move on to other projects because of the financial delays. 
We also now are dealing with mice and other animals that have decided to live in our walls. 
The insurance company is requesting explanation for delays as they are paying for us to live in a hotel room. 
PNC delay is also causing further deterioration of our home. 
My wife and I have experienced emotional and physical issues because of their behavior. 
They have all the needed documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I am TRULY angry with Capital One I have insisted with several letters that I want to continue with dispute as I am negotiating this charge with ASSUMPTION. I send a explicit letter stating I am taking legal action now and continue this dispute. YET i see Capital rebill charge on XX/XX/XXXX, {$210.00} Please credit XXXX  again XXXX as I am disputing with Assumption still! 
If this continues to happen where I am not the customer in control I will use other credit cards i await XXXX {$210.00} I have given fully my side of dispute. Assumption ignores all circumstances of my dispute and tells Capital no details behind the dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Harpeth Financial Services, LLC
State: OK
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved with a {$4000.00} credit line with the company in XX/XX/2022. I took a total of {$3900.00} in XXXX advances from this, with the last advance taken out on XXXX XX/XX/2022. I have continued to make payments but due to financial hardship, my account has late payments with a past due balance of {$1600.00} carrying over from several months ago, still 69 days past due as of XXXX. I have been making {$400.00} payments every other week. As of XXXX, I have repaid approximately {$9200.00} and a significant portion has gone towards finance fees I did not expect to get this out of hand. I was told this XXXX  that I have a remaining principal balance of {$2900.00} and an early payoff option for {$4800.00}. If I paid it off XXXX, I would have paid approximately {$15000.00} for {$3900.00} borrowed and this repayment plan is causing my family considerable hardship. I was told that the fees and balance would continue to grow if I continue making payments as scheduled and that collection efforts would continue. I do not see any way to ever resolve this without protection from the company 's exploitative and usurious practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: WELLS FARGO & COMPANY
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX WELLS FARGO BANK NA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-09-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
not mine accounts, never had these account remove it from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXXXXXX claims a late payment was made ... I have never been late to my knowledge ; I previously disputed this inn-accuracy, and was unhappy with the results. As a result, I demanded proof of investigation, bank statements, and records of ALL payments made, and missed ; and as of today still have not received proper documentation to convince me of claim made to support reporting a delinquency in the account. 15 U.S. 1666 ( A ) ( 2 ) ( B ) " creditor may not report to any third party that the amount of obligor is delinquent, because the obligor has failed to pay an amount which he has indicated ... unless creditor notifies the obligor of the name, address, and amount of each party to whom creditor is reporting information concerning the delinquency. '' which XXXXXXXX XXXX XXXX has failed to do as the law requires.

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 2023-03-14
Company: EQUIFAX, INC.
State: MN
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 U.S.C. 1681. 

Company name : XXXX. Account number : XXXX Company name : XXXX XXXX XXXX. Account number : XXXX These companies have 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 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 items of information, other than records of convictions of crime which auntie XXXX the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
this account belong to XXXX they claim a medical bill that went i contact the original creditor said the i dont have any balance them i contact XXXX  for them to what the been reported to the credit witch is a bill for {$960.00} and they cant provide me that beside that all my medical bill and medical expenses are been cover by my XXXX and my XXXX  insure since i been declared XXXX since 2016 please help me resolve this wrong issue with this people who are been reporting and affecting my credit with something that is not true thank you

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 2021-03-14
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I reached out to National Credit Adjuster about an collection that I'm not aware of. I sent disputes out on XX/XX/2021 and XX/XX/2021 and still haven't received any information. The collection is reporting on my credit report and now its reporting late every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I canceled my auto insurance with XXXX in XX/XX/XXXX, then they sent me a closing bill covering the final month of coverage which they informed me I would not be charged. I believe it was XX/XX/XXXX I noticed a collection from AWA Collection service and I contacted them regarding collection and they said it was for XXXX ( XXXX XXXX XXXX XXXX  ). I contacted XXXX and they could not find any collection for me. I recently saw on my credit report the collection is still there and it showed the reason my score was lower and AWA added to the balance. I do not owe any funds and they are not removing the false charge and they are adding to the alleged amount owed. I hope you can help, my credit score is near XXXX and I must keep it there, I always pay my bills, but I do not owe this one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Convergent requesting proof that this is my account, a written agreement with my signature. They sent me sort of papers with just phone numbers on it.

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 2021-03-14
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Barclay 's UBER credit card that I got several years ago. I hadn't used the card for a while, and received a letter dated for the XXXX of XXXX that stated if the card was not used after 30 days, it would be closed. Upon receipt of the letter, I tried to use it on the XXXX, and saw online that the card had already been closed. I received the letter late, and tried to use the card at the 29 day mark, and was told that it had already been closed. I informed them that the 30 day mark had not yet happened, but they said there was nothing they could do, and that I would have to re-apply. So not only will this impact my credit for the closure, but for me to reapply, will also impact my credit and the longevity of the account.

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