BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: OH
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:
compliant number XXXX this is my second complaint and it is a major issue with it has been more than 30 days.This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX/XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian is reporting debt thats not consumer related on my Consumer reports, thats not legal by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Bread Financial 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:
XXXX XXXX refused to remove their inquiry off of XXXX  after six contacts with their company and XXXX  and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX but not XXXX. I already contacted them via email and have had no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I contacted Wells Fargo to see if we qualified for assistance since we were affected by Hurricane Harvey. Our home was not in the declared XXXX zone ; however, my husbands job was. He was at the time I called out of work and was not scheduled to go back for several weeks because the job site was destroyed and there was no electricity. My husband is back to work now. The Wells Fargo XXXX, XXXX, advised me that they had a program that would defer payments until XXXX/XXXX/XXXX. It was some type of assistance that was given to accountholders who were affected by the Hurricane. I called today to schedule my first payment since the assistance expired and I was told that 3 payments were due. I was shocked. I never expected to have to pay 3 payments all at one time. We honestly would not have accepted the assistance if we knew that we would have to pay almost $ XXXX in payments. The XXXX i talked with today, XXXX/XXXX/XXXX, said that the XXXX I spoke with in XXXX was just a Customer Service rep who may not have know to advise me of that but that he could send him a coaching. He also offered to start a modification process on the loan ; however, I do n't need a modification. We can afford the minimum monthly payments now but at the time I originally called in XXXX XXXX we were not able to. 

The XXXX advised me today that if the 3 payments are not made by today the account will report the bureaus as past due and we are not ok with that. This is a clear UDAAP violation and Wells Fargo should fix it and ensure that my husband and I are not reported adversely for assistance that was given to us.

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 2019-04-14
Company: Signature Bank (NY)
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018-30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is the complaint I had lodged on XXXX/XXXX/XXXX : I spent {$25000.00} using my American Express XXXX XXXX card in XXXX, XXXX, and XXXX. American Express should have credited XXXX points to my XXXX XXXX account and reported to XXXX the amount spent with the card. American Express reported only {$4000.00} as the amount spent to XXXX XXXX. It did n't credit the miles to my XXXX XXXX account nor did it report the dollar spent in XXXX and XXXX which amounts to more than {$21000.00}. I called to XXXX XXXX to inquire. XXXX asked me to contact American Express. I have contacted American express four times and one of them I conferenced in XXXX XXXX. I have spent more than five hours following on this matter. 
American Express finally realized there is an issue. But, so far nothing has been done. I have attached evidence of my spending and also evidence of the amount not showing on XXXX XXXX side. 
The company responded on XXXX/XXXX/XXXX stating the miles has been credited to my XXXX account in XXXX, XXXX, and XXXX respectively. However, the miles do n't reflect in my XXXX account. Nor does it reflect the dollars spent on the American Express XXXX XXXX XXXX on XXXX side. As I have stated earlier, there is a system problem in transmitting the information to XXXX. The earnings show on my XXXX statement. But, it does n't reflect in my XXXX account. I have talked to XXXX and it has n't received these transactions from XXXX. The problem is XXXX ca n't handle issues and it is feeding misinformation to the consumers. I have attached skymiles statement from XXXX XXXX to XXXX XXXX, XXXX for record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: EQUIFAX, INC.
State: NM
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 XXXX, Equifax and XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: I.C. System, Inc.
State: DC
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:
Hello, IC SYSTEM, a Collection agency, did not contact me prior to submitting my information to Credit Bureau or to inform me of my account in their agency. 

I was not aware of the pending complaint until I received an alert from my credit bureau dated XX/XX/XXXX. I then proceeded to get the contact information from the credit bureau to be able to contact them. I called IC System on XX/XX/2021, and requested them to send the information on file. I finally received a Validation letter on XX/XX/2021. 

After several phone calls, I came to find out I was not aware and not informed of my collection status. 

The damage on my Credit report made me lose a position on the last process of hiring and also an opportunity to refinance my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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 have requested a validation of two accounts listed on my credit report multiple times ... on/around XX/XX/2020, XX/XX/2020 and in XX/XX/2020. I requested information about what the debt listed is for ; how this debt was calculated ; copies of documents where I agreed to pay the debt ; and verification the debtor is licensed in my state to collect on the debt. To this date I have not received any information validating the alleged debt/account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This XXXX 's Account was opened XX/XX/2013 And closed with a balance of {$2100.00} and it is listed as a charged off account on Equifax. 
It is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX charged off sold the debt to portfolio .XXXX does not display sold or transferred .Both are still reporting. This is a violation of FCRA .and now Portfolio has sold it. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am a loyal customer of Coinbase and referred several friends and family members to open a Coinbase account. On XX/XX/21 my Bank account had two charges from Coinbase which I did not make ( {$1000.00} and {$110.00} ). I contacted Coinbase to get an explanation for the two charges. Coinbase immediately suspended my account and assigned a Case # XXXX. After contacting Coinbase in efforts to change my password and regain access to my account. I received an automated email stating it normally takes 4-5 business days for a specialist to review my case, which this has been 15 days now with no response or update. Since then I have made repeated attempts to contact Coinbase with returning emails of any updates. I would like my case expedited and account re-opened since there was not a problem with my Coinbase account, it was charges on my Bank account from Coinbase. The account is in excess of {$300000.00} US and I have no access to verify my account balances. I will update what happens from here and timing to access my Coinbase account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Debt Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I monitor my credit every month, and noticed a Debt added on to my credit that does not belong to me. 
Collection Agency : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Date on my collection Report : XXXX XXXX, XXXX Amount of debt : {$600.00} Date of Service :?? 
Provider of Service : XXXX XXXX Hospital I asked them to give me proof that I owe this debt, a itemized bill, my signature on it, something from the hospital, they never sent me anything. I sent them a HIPAA violation letter, they ignored it and reposted it to my credit bureaus, XXXX and XXXX as valid. 
I have written letters to each credit bureau stating its not mine, and they updated saying verified by creditor, yet no one has showed me anything, as this was not me.I was even out of the country when this bill supposedly took place!!! 
this debt is not valid as i have NEVER BEEN TO THIS HOSPITAL EVER. 
I called Debt recovery, they were very rude to me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a Chase checking account on XX/XX/2018. Immediately after opening the account I electronically deposited two checks for {$430.00} and {$990.00} respectively. Two days later, I attempted to log in to see if the checks were cleared but I was informed that my accounts were automatically closed. I called chase and the customer service representative told me that my accounts were closed for 1 ) reasons they refuse to disclose and 2 ) that my balances on the account would be sent to me in a check within 5-7 days.

It has been more than 5 days already and I haven't got my funds back. Chase is holding my money hostage and hasn't issued me a refund yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I tried to set up an account for online access and it wont send me a 6 digit code I called capital one multiple times and they still wont fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bank of America charged off and reporting late payment after charged off. This is a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX It was 3rd time talking ( 1 ; 30min/over the phone ) with them " apple credit card suport '', second time they said payment went throug so i closed account. 
after few days i received email that it didnt i call them again.she said payment didnt go through, i paid again.today i was checking my credit report, and i saw that the amount {$310.00} was still there.so i texted they said you didnt pay, after i prove to them with facts that i did and i got this response after more than 1h texting my credit report is fair, so please do something i have to renew the lease

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
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 see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: Experian Information Solutions Inc.
State: NM
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 XXXX, XXXX  and Experian are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have notified the company Credit Acceptance in regards to my XXXX XXXX XXXX. However, I notified Credit Acceptance a few days after I been released from the hospital on XX/XX/XXXX, due to a XXXX   XXXX. I have spoken to a representative to extend my payments on the back of my loan for two months due to financial issues and COVID-19. I was advised per the representative that my payments will resume  on XX/XX/XXXX of {$290.00}. I have reached out on XX/XX/XXXX due to a disturbing phone call that I was past due of {$580.00}. I have spoken to a representative and supervisor on XX/XX/XXXX and stated that it was notated as payment arrangement, and was also advised no extensions are given. Per the supervisor apologized for the confusion.

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 2019-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I am very diligent in paying my bills on or before the due date never late I recently paid off my 2 personal loans and my credit card from XXXX and my truck at XXXX XXXX XXXX all accounts were paid as agreed never late I work hard at keeping my credit good when the 2 XXXX personal loans were paid off XXXX closed them paid as agreed and when my truck was paid off XXXX XXXX XXXX closed it paid as agreed no debt and now trans union and XXXX has destroyed my credit score trans union dropped by 75 points and XXXX by 55 points and when I asked them they said thats how it works and it wont change you have to start over its as if Im being punished for paying my bills as agreed on time never late you would think I would be rewarded with a higher credit score but NO something is wrong here the credit reporting agencys wouldnt even want to hear what my concerns were and theres not they can do about it what a shame

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Comerica
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX XXXX XXXX VS XXXX XXXX DEBT CARD XXXX XXXX XX/XX/XXXX on XX/XX/XXXX I lost my card. Tried to report it that night but couldn't get through to bank due to high volume of calls. on XX/XX/XXXX called cancelled card reported it lost and was told charges were pending to call back in two days to dispute charges which I did. Received paperwork four days later with the XX/XX/XXXX being deadline. I returned packet with a police report filed and notarized. was told by post office packet would be received by the XX/XX/XXXX at the latest. the bank claimed not to received it till the XX/XX/XXXX. I called several times for reimbursement on unauthorized charges and was told I had to wait on pending investigation. on XX/XX/XXXX I received letter from bank stating they had conflicting information and could not confirm fraud and for me to report it to police and work with merchant. I then tried to get paper work on this decision and was giving a phone number to call for XXXX XXXX at Fraud dept. This number is a voice mail only number. My card was found and used for a total amount of {$400.00}. I have done everything by the book. This bank did not honor the liability policy and as far as I'm concerned called me a thief and liar. Upon researching the bank I discovered this is the banks common treatment to costumers disputes. The US Dept of Treasury contracted with this bank for goverment payments to provide extra protection for its clients. People were able to use the card with no problems, where is the protection. I am a representative payee for my son whom lives on the SSI payment of {$750.00} a month. I accept responsibility for losing the card. However it is not right to just accept a XXXX loss due to unauthorized transaction that I'm sure there is video tape of. My pin was not used and we should not be held liable. In order for this matter to be resolved with out my filing of court I would like to see the bank follow policy with respect to federally insured money, consumer protection act and replace the funds back to the card. the dispute claim number with the bank is XXXX. the XXXX police report number is XXXX. I would also like to see the US Dept of Treasury and Fiscal service review this banks treatment of clients and considered a new contract with a more reputably bank. Thank you for your time.

Company response to consumer: Closed with monetary relief