BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Reviewed my credit report and I noticed that capital one has furnished inaccurate information inn credit report Account detail differ incompleteness for XXXXaccount status says derogatory but payment status says charge offdate opened differs. Balance is reported XXXX but reports say charge off. High credit all bureaus differ.credit limit differ. Past due is a balance is XXXX. It shouldnt have a balance if its a charge off. Last reported dates differ. Comments all differ. Date last active all differ. Last payment differ. 
Payment History has incompleteness Capital one had furnished inaccurate information this information has not been validated after requesting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian constantly reports incorrect information on my report. It is always late with accurate reporting and there is no reason for my credit to consistently drop an average of XXXX points a month, only with experian. Is there anyway to hold Experian accountable for this constant inaccuracy? The only thing that seems to have caused this is when I got rid of Experian 's product, which was the boost. This can not be a normal business practice for someone that has an excellent payment history and utilizes barely any credit.

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 2021-11-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I received a loan from Synchrony in the amount of {$680.00} to purchase furniture at, Rooms To Go. I was informed by Synchrony bank that a credit card with account number would come to me by U.S. mail with in 14 days, No card has come and unable to pay this debit or past debits for past times. Total owed Synchrony bank is just over {$1000.00}, however late charges are coming simple for lack of Account number needed to make a payment. The reason I never finish making my loan made back 5 years past is for the same reason. Late charges at that time were greater than principle owed. 
I live on a fix income and able to all the owed money except for Synchrony bank. My fear is that late charges again will grow simple for the fact Synchrony Back has not provided account number in order to make payments to them. 
My last attempt was today when my payment is due. My, account number has failed to come by U.S. Mail, all attempts to make a payment has failed for this very reason. Other than sue Synchrony bank, I feel it is best to report them for unfair banking practice. 
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 2021-11-08
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I should only have two addresses on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
While checking out at Home Depot the cashier convinced me to open a a Home Depot credit card and get a {$25.00} bonus. I put one charge on the card. 
On XX/XX/2020, I received my first bill for my one and only charge of {$25.00}. The Account Statement showed payment due date as XX/XX/2020. 
The bill was received 5 days after the their posted due date. 
I immediately paid the purchase balance of {$25.00}. The bill was paid online thru XXXX XXXX  and can be verified. I emailed that their billing was sent 5 days after the past due date advising them of the problem. I received no response. 
I have sent 5 emails regarding this matter over the past 90 days with no response. My last emails in regard to their offering to waiver late fees during covid-19 were answered, but turned down. They keep piling on late fees as I try to resolve this issue. 
If the XXXX bill had been sent out in a timely manner this problem would never have happened. I always pay my bills on time. They are also hurting my credit rating. 
I am XXXX years old and somewhat XXXX and XXXX XXXX. I attempted calling on this matter but was cut off several times, probably because my responses were either too slow or not understood. I tried using their email system with little success. This is having an impact on my credit score, my score has always run in the upper 700 to low 800 range.

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 2022-03-30
Company: EQUIFAX, INC.
State: TN
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 contacted equifax regarding this account it was remove but it keeps appearing on my credit file multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Exeter Finance Corp.
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, EXETER FINANCE, is reporting late, yet it is closed and the balance is XXXX as reported. Lets remove this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor remove this complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account was opened up in behalf of my ex wife and she did agree to make the payment. My complaint is that the account is reported as {$29000.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of the vehicle far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me XXXX  credit the entire time.

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 2021-11-08
Company: Experian Information Solutions Inc.
State: PA
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:
Reviewed my credit report and I noticed that XXXX XXXX has furnished inaccurate information inn credit report Account detail differ incompleteness for XXXX.account status says derogatory but payment status says charge offdate opened differs. Balance is reported XXXX but reports say charge off. High credit all bureaus differ.credit limit differ. Past due is a balance is XXXX. It shouldnt have a balance if its a charge off. Last reported dates differ. Comments all differ. Date last active all differ. Last payment differ. 
Payment History has incompleteness XXXX XXXX had furnished inaccurate information this information has not been validated after requesting

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 2017-10-30
Company: NELSON AND KENNARD
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:
A couple of days after I turned XXXX, I opened my very first bank account in XXXX XXXX XXXX. A week later, I received a notice of levy from my bank that I owe to the XXXX Sheriff 's Department a total of {$7400.00}. I did n't know what that is. I contacted the XXXX Sheriff 's  Department and they said that the Law Offices of Nelson and Kennard have filed a lawsuit against you and put that levy against your account so you need to contact them to know why they put that much money against you. I called that law firm and turns out that they 're a debt collector looking for another person under my social security number. THEY HAVE MY SOCIAL SECURITY NUMBER! I do n't understand. I never had a credit card nor ever had any debts or loans upon me. So there is definitely some sort of fraud going on and my identity is in danger right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: MO
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 as of late received a duplicate of my credit report from this consumer credit reporting agency WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX XXXX in the verification of your consumer credit reporting as DETAILED in the description of XXXX ( your web based automated verification process ) YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that " XXXX is a web-based, XXXX XXXX XXXX, automated system that enables Data Furnishers ( DFs ) and Credit Reporting Agencies ( CRAs ) to create and  respond to consumer credit .... '' Within the report I saw that there were negative installments noted in the record history. Since I am somehow very defective in the matter as to the HOW, When and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30
Company: National Credit Systems,Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call this morning from XXXX at XXXX, this person asked to speak with me and I said, " May I ask who's calling? '' because I did not recognize the voice nor did they list a business name. They stated, " XXXX XXXX '' even though it was a male 's voice. Then in a extremely stern voice, said, " Now is this XXXX XXXX '', I said " Yes, may I ask who is calling? '' in hopes that they would give me a business name. I honestly panicked because it was a local number and I thought it might have been one of my children sick at school or something. At this point XXXX raised her voice and said, '' MA'AM I just told you who it was this is XXXX XXXX and I am calling with National Credit Systems ''. I said " yes, and what is this in regards to? '' and She yelled at me again and said " MA'AM I'M TRYING TO GET THERE IF YOU WOULD LET ME ''. At this point, I stated " uh, uh, no ma'am I don't have to take that kind of tone, '' basically asking her to calm down and she hung up on me. I called back twice at XXXX and XXXX trying to speak with a supervisor to report the call and to figure out what the debt was for and both times they continued to try to collect the debt instead of listen to me and the call at XXXX when I tried to escalate, they hung up on me again. Then the call at XXXX, I actually corrected my information that they had incorrectly on file, which goes to show I was willing to speak with them and not irate, but when I mentioned filing a complaint, I was told twice that there was no one I could speak with in regards, to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I am a XXXX  on XXXX. A buyer won an auction in XXXX and was delivered exactly what was promised. A month after product was delivered, she made a claim in XXXX  claiming the items arrived damaged. I fought this claim as it was untrue and XXXX closed the claim in my favor. The buyer was unsatisfied with this result and then opened a claim with Paypal for the same reason. I let them know that this was already handled by XXXX and that they determined that the items were undamaged and the case was closed in my favor. I heard nothing back from Paypal for over a month until the product was returned to me unannounced and they forced a refund from my account. I was never informed that they needed more information or that they had instructed the buyer to send the product back. I now have a negative balance in my account that they expect me to pay for an unauthorized return that should have never occurred. The timing of the sale had a lot to do with the price the buyer paid, so their attitude that I can just sell it again and make my money back is an insult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX BANK XXXX Balance : {$4400.00} XXXX BANK XXXX Balance : {$5700.00}

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 2022-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello to whom this may concern. I'm making this complaint on behalf of my self. 
I extended my credit to CAPITAL ONE AUTO FINANCE which CAPITAL ONE AUTO FINANCE stated that they're unable to provide me with an offer. I don't understand how I a consumer can be denied an extension of my own credit. I've contacted them about the matter where they ignored my request to resolve the matter. I think it its unlawful according to the Equal Credit Opportunity Act for a consumer to be denied because I exercised my rights with good faith in accordance with chapter 15 of the United States Code. I'm sure together we are able to resolve the matter within a reasonable amount of time with out causing further damages as there is civil and criminal liability for this behavoir.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit 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 explanation
Consumer complaint received 2017-10-30
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple phone calls including auto-dialing occurs daily. Even prior to being considered 30 days delinquent with a payment. My references are called for collection purposes and my job was being called multiple times a day ( even though I did not provide the number ). With all of the calls I receive, there is also a voicemail message. Prior to me asking them to no longer call my job, I was receiving daily voicemail messages at work seconds after a message was left on my primary line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Winklevoss Exchange LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2022, I tried purchasing {$4000.00} worth of XXXX via the Gemini platform from my linked checking account. The application kept freezing and not responding to my inputs. Since I couldn't get the transaction to process, I decided to try another time. Upon checking my email, I noticed that I had received some emails from Gemini indicating that a {$4000.00} transaction did indeed occur and that they processed an order for the incorrect currency. The app incorrectly placed the order for XXXX ( instead of XXXX ), which caused me to incur about {$83.00} in fees. I immediately reached out to Gemini to notify them of this error. In essence, at first, they told me " tough luck. '' After pressing them, they stated they would place my request with the " relevant team. '' It's been about nine days now, and after repeated attempts to follow up with them, they haven't responded other than to say that they're looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased {$750.00} of Litecoin with Coinbase on XXXX/XXXX/XXXX. Their expected delivery date was XXXX/XXXX/XXXX. It is now the XXXX/XXXX/XXXX and I still have not received anything. My credit card statement shows Coinbase transaction of {$750.00}. I contacted Coinbase through their website and only received generic responses. Opened a Case # XXXX with their support. So far nothing. Not a single email, phone call, and attempted to call them. Only to be put on hold for over an 2 hours then they hang up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: SYNCHRONY FINANCIAL
State: IL
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 have a line of credit with Care Credit for a XXXX bill years ago. I was not told at XXXX office I would be charged 26.99 % interest after their promotion ended. I have paid {$110.00} last month and {$63.00} of that payment went toward interest. Therefore my balance is staying the same year after year. I am at poverty level of income and can not afford to pay anymore than what I currently pay every month.

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 2020-11-10
Company: EQUIFAX, INC.
State: NC
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 submitted a dispute with Equifax regarding a chapter XXXX listed on my credit file. The confirmation I received back from them stated that it was verified from XXXX ; however I have confirmed with XXXX that this was deleted from their file. 

I submitted over a Method of Verification letter to Equifax today requesting to be notified who they spoke with ; the date and time ; etc. I have also spoke with XXXX County Courthouse and they too have stated that they do not report to the CRA 's all information is reported to a third party company named XXXX ( which is listed on the dispute confirmation attached ). I just need to know and see the verification that took place. I have also included the fax confirmation number as well. I go through this route because dealing with Equifax has been a pain this far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have 2 inquires XXXX XXXX XXXX XX/XX/2019 and Transunion XX/XX/2019 2019

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 2017-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America filed a fraudulent lien during financing of XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX VA XXXX. Double liens were filed, and when alerted about it, Bank of America is not taking any action to correct the lien status

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