BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ). 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. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance : {$920.00}

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 2021-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX with the balance of {$1700.00}. I have no acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information, Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent. 

According to Fair Credit Reporting Act, any account fraudulent open without the principal original consent or permission must be Remove and Delete immediately. In compliance with FCRA, predatory furnished of false information by the institution are illegal, and within matter of rights under the laws of consumer request to provide by the furnish-er or institution of full proof of all original sign documentation relating to the false account and any consensual documentation with original owners signature within 5 business day in physical mail copies. As time is the essence per request must comply under FCRA law. Failure to do so must have the information Delete and Remove prevent to reappear once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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:
I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.

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 2021-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The issue I am having with capital one is interest I was charged for {$5.00} after my balance was paid in full for the previous month. I called capital one on XX/XX/2021 to ask why my account was charged interest and was told that although my payment was paid in full on XX/XX/2021, that bills must be paid in full for two months consecutively before no interest is charged. I explained to the representative this is not how interest is calculated. I explained interest is charged on balances carried over and I had no balance after I paid my bill in full on XX/XX/2021. My statement does not cut until XX/XX/2021 although this has not been consistent. The team member then stated the interest was from my billing statement from XXXX as I had a balance of {$390.00}, I explained to the representative that is correct and that payment or the minimum was due by XX/XX/2021 and the payment was paid in full prior to the due date on XX/XX/2021. I told the team member I should not have a balance due for XXXX but yet I do for interest on a paid bill paid in full. The team member did not seem knowledgeable in credit nor did they offer to escalate the concern. The team member I spoke to said their name was XXXX and had an ID number of # XXXX, located in the XXXX. This is not the first time Ive had this issue with Capital One. Years ago when I opened the account and paid my balance in full, I was charged interest. When I called about it at that time the team member apologized and stated this should not had happened and waived the interest. This time, this was not done and although {$5.00} is not a lot of money its the principle. I would like for them to waive this interest as it should not have been charged and put the proper controls in place so their system is able to identify when balances have been paid in full, also to put a process in place on how to recognize complaints as I mentioned contacting the CFPB and the team member had no idea of what the CFPB was and ignored the concern at hand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22
Company: PNC Bank N.A.
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In order to pay my rent to the XXXX XXXX XXXX XXXX XXXX, I have to pay it to PNC Bank. They " misplaced '' my rent one time and I almost got evicted until they " found '' it. So it's happened again and now I'm faced with a 3 day eviction even though I dropped off my rent into the safe deposit box and the cameras could probably verify this. I paid my rent, it was late but it was paid and this is becoming an all too familiar practice with this bank.I am a single mother of a XXXX XXXX XXXX and have no where else to go if evicted and is unjust since I did make my rent payment. This has got to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I have a business credit credit for over 7 years with BARCLAY, on XX/XX/2021 Barclay decided to migrate the business account and combine it with my personal account! Since then I have NOT been able to access my business account! Every month I have been calling and they can not located my business account anywhere,, but they call me every month to get a payment but can access it???/ ONE REP TOLD ME IN XXXX MY XXXX XXXX DID NOT MATCH AND SHE WAS GOING TO ESCALATE, I'M STILL WAITING.

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 2022-02-26
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Coinbase has locked me out of my account, with zero communication or explanation, while having over {$10000.00} in assets in the account. I find this to be unprofessional and honestly illegal given I've attempted to contact them with zero communication back. I work in the compliance field and deal with these cases all the time, the least they can do is communicate - however it seems like they decide to randomly lock users out based on a quick XXXX search. I am exhausting all resources and energy to try get my funds out as this is ridiculous. They make an insane fee on every trade and seems like day-light robbery to just lock customers out without any explanation. It's important to note that I am fully XXXX with source of income and reside in XXXX. I would grealtly appreciate your assistance as it seems like you assisted people online. I also have a fully strong generated password with 2FA and email confirmation login - whatever reason they decide to give is honestly going to be full of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Using the app COINBASE I purchased a certain amount of tradable goods called XXXX. The purchase, as indicated by the purchase receipt, was a total of {$1000.00} USD in exchange for XXXX XXXX. Shortly after the purchase this good was " frozen '' and over the course of several days COINBASE changed the amount of holdings of XXXX to XXXX. While I understand the value of a holding will fluctuate the actual amount of said holding can not change without some action on my part. To date I have neither sold, nor traded away any of my holdings in XXXX. The amount has simply been altered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Credit reporting 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:
I tried to finance a truck, as I was asking please if it's possible to run soft credit not hard XXXX, they promised, yes for sure we will do that after few days I was shocked when i saw my credit falling down around XXXX points, as i called them and I said why this is happened, as i got promised it will not, they said we are so sorry we will come back to you, until now they didn't. 

otherwise, this happened for me before 1 year with another company for the same reason they were lying, and they run my credit hard without asking me even I told them what i need. 

so please with my highly respect and if there is a chance to remove both of this inquiry from the dealers that I go it unfairness..

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 2021-03-21
Company: Experian Information Solutions Inc.
State: AL
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:
Experian is reporting several accounts with incorrect payment history as well as incorrect dates of the first delinquency. I disputed these accounts through my online account on XX/XX/2021. Experian " updated '' these accounts but the payment history and dates listed remain incorrect. These accounts were never marked as disputed as evidenced by the credit report dated XX/XX/2021 which is a violation. I tried to dispute these items again but have been unable to because the website does not allow it. I wrote an additional 609 letter to Experian requesting additional info. I have not received anything as of yet.

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 2021-03-21
Company: CITIBANK, N.A.
State: TX
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:
My account was arbitrarily closed by the company without my consent. When I contacted the company I was told there was nothing that could be done.

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 2023-08-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XXXXXXXX XXXX XXXX  The company received a certified letter stating that did not do a reasonable investigation on a company that is on my credit report. After the letter was received I began getting alerts that the credit bureau opened yet another investigation. My letter CLEARLY STATES this is not a dispute letter, this is a law violation. I reached out to the credit bureaus and their customer service agents stated they dont read the letters. I asked to be transferred to supervisors/ligations and was told I would receive a call back. That was 5 days ago.

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 2021-03-21
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please see all attached documents that proves my case. Here are the facts. Holloway Credit Solutions reported a collection account from XXXX and XXXX on my credit report that I noticed in XX/XX/2021. The company sent me a letter notifying me of this debt with a right to dispute the validity of the debt within 30 days from the date of the letter, which was dated XX/XX/2021. Take note of the dates. The company reported this account on my credit report BEFORE sending me the required notice to dispute the account, which is completely against the law. I have already filed a dispute about this and the company is STILL reporting this account on my credit report in violation. See the attached document where the company admits the first contact being in XX/XX/2021 AFTER they reported the account on my credit report in XX/XX/2021. I also attached a document showing the date the account was reported on my credit report in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I submitted a request to Chase credit card customer service and requested a breakdown of charges/ credits and interest rate charges for the last 6 months because I can't balance my account and I believe that I am being overcharged on interest. 

Chase refused to provide a credit history. Only spending history, which I can see and I don't need. 

On XXXX, I got a message from Chase not to contact them anymore. However, I only reached out XXXX in the summer 2021 to get help. No success. and twice in XX/XX/2021 to get help. I do not believe that telling customers not to ask for assistance is the right attention to the actual question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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. 


We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Idispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance : {$1000.00}

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 2021-04-13
Company: DISCOVER BANK
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 ordered a shirt from a small online store XXXX. It did not ship for month due it being on backorder which I was fine with. A month later I had forgotten about it however and apparently around that time it was marked as delivered by XXXX " in/at mailbox '' but I never received anything. 

While watching one of their videos about another month after I remembered I ordered the shirt and contacted them to see if they could send a replacement as I never received my order. They stated they could only see that it's marked as deliver and to contact the local post office and/or check in with neighbors to see if they have it. The post office of course just says delivered and since I live in a very urban area of course neighbors aren't possible to get in touch with or they don't really care about it. 

I then proceeded to issue a dispute with my CC and it was only until then they say " we want you to have the best possible purchasing experience, and would be willing to make a one-time exception for you. In order to do this, we ask that you please close the credit card dispute that is currently open. We greatly appreciate your support and we are awaiting your reply. Thank you. '' If they had offered a replacement right away I would have been happy to accept as I still supported them and the work they do, but after this experience even though the quality of their videos is amazing their store experience is lackluster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation