BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
My wife obtained a Capital one XXXX  credit card. After using it for about 3 months, she wanted my to use the card when shopping. She then ordered a card with my name.The account is under her name and ss number. SHE PAYS ALL OF OUR BILLS WITH THIS CARD. I have never signed and agreement with Capital one. I have called capital one and spoke with a supervisor, and asked why this card is on my credit report? I have gotten two different answers. First I was told that I agreed to that when I got the card a total lie. Next I was told that it was the credit reporting agencies, another lie. I do not want that card on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX has reported my account as a Charge Off ( AGAIN ) since I filed my complaint on them XX/XX/2021. The dispute and investigation is ongoing right now. I received a credit alert from TransUnion, XXXX XXXX XXXX  indicating XXXX has sent charge off information again to them. In my existing complaint, this is one of my complaints that they are sending erroneous and inaccurate information to the credit bureaus as well as, harassing me for payments. Additionally, XXXX is reporting this information back to back each month. I thought credit reporting was reported once a month, however all there credit bureaus are allowing XXXX to report information 2 to 3 times each month, one day after the other. For example, XXXX reported Past Due 120 days on XX/XX/2021 and as a Charge Off on XX/XX/2021 BUT they had already reported this very same information on XX/XX/2021???? This is illegal according to FDCPA rules. In addition, XXXX has received monies from my insurance company, warranty and me to pay this vehicle off. I have reported this information to Attorney General 's XXXX in the state of Arkansas as well and do indeed intend on suing XXXX for their rogue and illegal actions. I have tried to submit a dispute with all 2 credit bureaus concerning this issue in the past and on today ; and I can not. Their system states, I have already disputed this item, several months ago ... and the submission to dispute continually fails to upload- again ruining my credit. This very issue- is an open investigation CFPB XXXX # XXXX. I am sending a copy of this complaint to all XXXX credit bureaus and officially filing a complaint against them today as well for their actions of denying me submission to dispute this matter. Due to this deliberate attempt on XXXX 's behalf my beacon points decreased by XXXX points.

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 2021-03-05
Company: EQUIFAX, INC.
State: VA
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:
In XXXX of 2021 this year I talked to a representative at Equifax in the fraud department to dispute inaccurate information being reported. I asked for the account to be deleted because I noticed that their is no company name, address or any contact information to actively dispute this account. 15 U.S. Code 1681, plainly states that inaccurate credit reporting gravely affects fairness, and the respect for the consumer 's right to privacy. This is fraudulent activity and it's very hard to deal with emotionally, I demand this account be deleted, I do not validate this debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: IN
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXXXX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Bread Financial Holdings, Inc.
State: VA
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:
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 XXXX XXXX XXXX. 

XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX 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 COMENITY CAPITAL BANK 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 an 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 explanation
Consumer complaint received 2020-07-28
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account or any debit with XXXX, this scamming company Convergent USA (  www.convergent.com ) is trying to obtain personal information accusing a company already dissolved in 2019,  who I was part, to have a debit with XXXX of {$1800.00} and if I pay them ( Convergent ) the amount of {$670.00} the collection process will stop and my account will return to XXXX!!! Totally Scam, we never had that account, I called XXXX and they don't have any info about that. I read many and many complains about this company applying the same scam to hundreds of people ( XXXX XXXX XXXX  ) in such hard time all Americans are through now, shut down that company please, many people will less knowledge and resources will be a victim losing the little money they have in the middle of a pandemia! Please act fast! Thank you very much for your help!

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 2021-03-05
Company: CarMax, Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I disputed the late payment for Car-Max in XX/XX/XXXX and in XX/XX/XXXX. The credit agencies ( XXXX, XXXX and XXXX ) investigation results showed the late payment had been verified and was correct. I didn't agree with the results ; after speaking with a Car-Max agent today and we were discussing the late payment for the month of XXXX and XXXX -- the agent advised me the late payment for the month of XXXX was actually not late and he did send an electronic correction to all 3 credit agencies while we was on the phone. I advised the agent that I had fell behind because of the COVID-19 Pandemic and since XX/XX/XXXX I had never been late on my car payment and I asked for a " Goodwill adjustment. '' I made three payment in the month of XXXX for full payments and as of today I'm current. The agent said it wasn't anything they could do. I'm in the process of buying a house and I have really been working hard on making on time payments to all of my accounts and because I was 2 days behind on making a payment all of my hard work shouldn't have to end here. My loan officer ; XXXX XXXX call to inform me we couldn't move forward with the house mortgage if I can't get the late payment removed from my credit report. So I ask that you please give me a second chance and grant me a " Goodwill adjustment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I am a victim of identity theft. Several accounts have been opened without my knowledge. Please remove these accounts from my credit report immediately.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: IN
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX {$590.00} 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

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 2023-02-18
Company: EQUIFAX, INC.
State: SC
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. 
XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX, XXXX Acct # XXXX XXXX XXXX. Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX. Acct # XXXX Has all violated my rights. 

15 USC 1681 Sect 602 A. States I have the right to privacy.

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without any written instructions.

15 USC 1681 ( 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.

15USC 1681 s-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 explanation
Consumer complaint received 2023-04-21
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with XXXX XXXX  due to my XXXX XXXX card being sent to collections in the amount of XXXX. The debt was transferred to a debt collector by the name of midland credit. 

On XX/XX/XXXX, I made a settlement payment in the amount of {$1300.00}. Was told that this will reflect on my credit report and they will notify XXXX as well. 

I checked and noticed this was not updated as said. I disputed said account with experian. However, XXXX did not reflect the status to show that the debt was settled. However, reflects that the amount is charged off at XXXX and written off. 

XXXX refuses to redispute. I'm simply asking for my account to reflect accuracy of payment. 

If they continue to report as if I never made a payment or tried to resolve, why would I have even bother to do so? Is extremely frustrating so I'm asking for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
15 U.S.C 1681 SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 SECTION 602 A states I have the right to privacy XXXX XXXX XXXX  XXXX 15 U.S.C 1661 states that NO reporting agency can report a payment as late on an opened ended account for any purpose or reason. 
XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1692 C COMMUNICATION with the consumer without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ACCOUNTS ALSO DONT HAVE MATCHING INFO WITH THE OTHER BUREAUS AS WELL. SUCH AS -- DATE LAST ACTIVE -- DATE LAST REPORTED -- PAYMENT STATUS -- DATE OF LAST PAYMENT THESE ACCOUNTS MUST BE DELETED IMMEDIATELY!!! 
--

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12
Company: EQUIFAX, INC.
State: GA
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 collection was reported in error. The collection agency sent a letter to all 3 credit bureaus informing them to remove the account from reporting on my credit files in XXXX. XXXX and XXXX removed the account. Equifax has not. I called the company and they informed me they notified Equifax to remove the account from reporting. Equifax is failing to comply with the letter attached. This was sent 5 months ago and is now affecting my ability to borrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
1. {$100000.00} was wired to my coinbase from a my wife 's bank account on XX/XX/17. Because the bank account name doesn't match my coinbase account, so the {$100000.00} was returned to her bank account. thanks for that. 
2. therefore, I wired {$50000.00} from our XXXX joint account on XX/XX/2017 to the same coinbase account, then never heard from the coinbase again. 
3. And i wired {$100000.00} from ourXX/XX/XXXX joint account on XX/XX/2017 to the same coinbase account, then never heard from the coinbase again. 
4. I sent request through the XXXX customer support 6 weeks ago with the case # XXXX, but nothing has been resolved. 
5. I put traces with both my banks two weeks ago, but your side never responded neither of the banks. 
6. It has been two and half months, no resolution to the total {$150000.00} fund. their customer service has not helped me any, and it is absolutely unfair to treat customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX I discovered that there were XXXX forget checks in the amount of {$79000.00} ( XXXX ) and in the amount of {$2800.00} ( XXXX ) XXXXThese were faked and forget checks ( I still had a full book of checks including these XXXX in my possession ) .I immediately contacted the Police and made a report as well as went to the branch and made a report of fraud to seek a refund. On XXXX I received a refund for the smaller check- {$2800.00} but bank refused to refund {$7900.00} stating that my claim was Out of timeframe.Therechecks were clearly both signed and forget by same individual, couple of weeks apart. XXXX for {$7900.00} posted on XXXX, so my claim was made within 60 days of posting and within 1 day of discovery. I wrote to the bank asking them to provide terms of service, something showing the rules for making fraud claim and have not received a response. I have banked with this institution for XXXX XXXX, and have not been receiving any updates concerning 'timeframes ' for making claims for these type of account or situation. They clearly see that it is fraud since the refunded the other check but they are holding on to my funds. I have never had any withdrawals or checks against my account in the amount of more then XXXX dollars.

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 2021-03-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
-- SPS provides contradictory information to Borrower regarding status of forbearance during COVID-19 pandemic. 
On XX/XX/XXXX SPS stated, " You previously indicated that you have been impacted by the COVID-19 pandemic. The existing payment relief provided on your account is coming to and end. '' -- SPS actively disregards requests for forbearance extension as allowed under the CARES ACT.

Multiple requests for forbearance extension have been submitted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), SPS has failed to respond or states that forbearance has ended while providing conflicting information stating that forbearance is " comding to and end '' without providing a specific date on when the forbearance is ending. 
-- SPS actively disregards completed applications for loss mitigation. 
Multiple loss mitigation applications have been submitted and SPS simply responds with vague statements that information is missing, fails to provide detail on what information is missing, or when details of missing informaton are provided, the information has already been submitted. SPS states that signatures are missing or parts of pages are missing when all pages submitted with application are legible and signed where necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-12
Company: EQUIFAX, INC.
State: IL
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, XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I have sent in the requested information and the item is still appearing. Why is it not removed? I have sent in everything that was required from 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