BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: NV
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:
As the Consumer my rights have been violated multiple times. Due to my rights being violated as the Consumer I demand for any and all damages occurred to me the following {$1000.00} per violation as stated via 15 U.S. Code 1681n - Civil liability for willful noncompliance.

( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

The creditor has and is reporting my credit history inaccurately. 

This has caused me as the Consumer Defamation and Financial Injury. I have disputed these items multiple times and both the Creditor and the Credit Reporting Agencies have failed to report it as a dispute which violates my rights under the FCRA as stated in section 623. 

Creditors have pulled my Consumer file without my written permission or without reasons permissible under law which has caused injury to my credit report and scores. 
As stated in 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On top of things the Credit Reporting Agencies and Creditor have " Re-Aged '' my account by reporting the date of last activity instead of the date of first delinquency. As a Consumer this has violated my right to Consumer Protection as afforded by the FCRA under Section 605 ( c ). 

As a Consumer I have a right to privacy as stated in 15 U.S. Code 1681. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

A primary purpose of the FCRA, is to protect consumers against inaccurate and incomplete credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Coinbase, Inc.
State: CA
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 opened an account with Coinbase, Inc., several years ago. I used that account to purchase and sell digital currencies such as Bitcoin. It has been some time since I last accessed my account. When I tried to gain access to my account over one week ago, Coinbase locked my account presumably because of an issue with the authenticator application. My authenticator application that was once linked to Coinbase was disconnected. For me to reset my password and gain access to my Coinbase account, Coinbase 's online instructions state that I must log into my account and link my authenticator application through the Coinbase settings. But this process is circular and leads me to a dead end. I need the authenticator to provide me with the code I need to log in, but the authenticator will not work until I log into my account. 

Coinbase does not have live support. I have emailed their helpdesk multiple times and nobody has reached out either by email or telephonically. This is important because I have deposits in that account and Coinbase 's inability to respond and get me the help I need to gain access to my account is unacceptable. Coinbase should not be serving consumers if it does not have the infrastructure to provide timely account support. I may have lost significant amounts of money due to my inability to log in and find out about the status of my cryptocurrencies, which as one might expect is a volatile investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent affidavit and identity theft police report to each credit bureaus and nothing has been done. The balance for this account is {$1700.00}. The last time I sent the documents via certified mail was XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, we had a flood in XXXX XXXX. Over 20,000 homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Over 60 days ago on XX/XX/2020 I sent in a dispute letter concerning the fraudulent accounts that is being reported on my credit report. Still to this day I have not received any notification, email or letter in the mail stating that they have disputed those accounts.

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 2020-05-18
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am currently being sued by Kramer and Frank PC out of XXXX, MO for a defaulted student loan. I was never sent a notification of debt. The first time I am hearing about this debt is with a lawsuit. I left a message for the attorneys to call me and I have not received a call back. This is a loan I paid on for over 8 years and when I requested verification of debt with the original servicer, they refused. I then stopped paying the loan. Kramer and frank are suing me for more than the original loan amount and have not subtracted the approximate {$20000.00} dollars I already paid on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: JPMORGAN CHASE & CO.
State: AZ
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 and I filled chapter XXXX bankruptcy almost 7 years ago however we did n't file on morgage with chase who house is financed with. We keep house and keep up to date. It was in bankruptcy as not included and there was no dispute in court about no filling and keeping house. We have since also done a new loan modification as well however ever since bankruptcy the mortgage with chase will show up as a closed paid account or included and closed for bankruptcy. Different credit reports show different things or nothing at all. We habe asked lender to fix this several times and also filled many disputes with 3 major credit reporting companies and it never gets fixed or updated. Due to this we are unable to refinance house and get a equity loan. We need both my wife 's and mine credit reports fixed since mortgage was exempt on bankruptcy and also a new loan was done. This is affecting our credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XX/XX/2021. A purchase of {$49.00} by merchant vod info was made on my card. I did not make that purchase ... I called the merchant phone number in the description and the phone number has been disconnected. I called XXXX XXXX payroll card customer service and they tell me it will take 45-90 days to process a dispute. It should not take 45-90 days to resolve a dispute!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: GOLDMAN SACHS BANK USA
State: VA
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 had outstanding balances that were paid on XX/XX/XXXX at XXXX for {$1200.00} and XX/XX/XXXX at XXXX for {$1100.00} that paid the entire balance on my credit card for the month of XXXX with a statement ending date of XX/XX/XXXX and a period ending date of XX/XX/XXXX. They are saying that even though I made the payments on time, they are saying that the payments didn't clear so they are charging me interest on the account. I have never had payments take this long to clear, and was given no indication that their policy toward payments had changed. They are now telling me to pay 5 days in advance, even though the due date is the end of the month ( which would hurt me as a consumer to prevent me from continuing to earn interest on those funds for 5 days because of their unmentioned change in policy ). I also have the account set up on autopay for the full remaining balance to prevent interest from being charged, which is misleading because I was still charged interest even though my payment processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Kikoff Inc.
State: MI
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:
I signed up for this company by mistake ( online ) its a charge account that sells products I don't want and keep reporting to my account and I never gave them permission! 
Kickoff lending llc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Bridgecrest Acceptance Corporation
State: MO
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:
To whom it may concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found late payments on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the late payments reporting on the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report as being late. Please dont respond to my request by saying that the account have been verified, or that the late payments are accurate. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of the disputed late payments on the specified account, then please delete the late payments immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified late payments on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts, and unverified late payments, must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each missed payment, listed below within 30 days of receipt of this letter then you must remove these late payments from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following account be properly verified or removed immediately. I am protected against the unfair reporting of the said late payments due to the Section 611 ( a ) ( 5 ) ( A ) ( i ), as well as being impacted by COVID-19. I have attached my extension agreements, although I was granted four extensions, they continue to report my account as 30-90 days past due. I am requesting that the 8 late payments be deleted immediately. 

ACCOUNT # XXXX Bridgecrest account listed under XXXX XXXX XXXX maiden name )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately. 
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 2021-02-01
Company: World Omni Financial Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Purchased vehicle from XXXX XXXX in XXXX, GA in XX/XX/XXXX. Financed through Southeast Toyota Finance. XXXX XXXX sent wrong mailing address to Southeast Toyota Finance despite specific instructions. I was not aware of this error and began making payments according to loan paperwork provided by the dealer. Payments were made monthly via online banking from XX/XX/XXXX to XX/XX/XXXX. I did not notice that the XX/XX/XXXX payment was not deposited by Southeast Toyota Finance. I discovered the error while trying to log on to their website on XX/XX/XXXX. Contacted the Southeast Toyota Finance Customer Care Department. Was told by XXXX XXXX that the finance charges ( {$450.00} ) had accumulated from XX/XX/XXXX. XXXX stated that they had received returned non-deliverable mail that was sent to the wrong address in XX/XX/XXXX. XXXX also stated that they had attempted contact by phone in XXXX and XX/XX/XXXX but were unsuccessful. I have received no voicemails or emails from Southeast Toyota Finance indicating that my account was delinquent. The Manager of Customer Care, XXXX XXXX, offered to reduce the fees by one half, but insisted that I should have contacted them and bore responsibility as the customer. I told her that it was only by chance that I knew about the fees, and had no indication that there was a reason to contact them. I have sent the missing payment and it will arrive on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
ads/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 2020-09-01
Company: SYNCHRONY FINANCIAL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid Care Credit by mistake online on XX/XX/2020 for {$4800.00}. Care Credit account is handled by Synchrony bank. The payment was meant to pay my Visa account. 

XXXX XXXX  tried several times to contact Syncrony bank to return the mistaken payment but did not get any respond. Then I tried to fax the details of the payment I got from XXXX XXXX with request to return the mistaken payment. I did this three times in three weeks of XXXX but also went unanswered. 

I tried reaching out to Synchrony Bank customer service to get connected to their department that handled unapplied account payment but always put on hold and then disconnected. 

I used to have Care credit account but it was closed a long time ago. I don't owe them anything.

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 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.

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 2018-02-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/18 I was attempting to purchase bulls tickets. The seller said he used XXXX. After seeing that XXXX was linked with Chase, I figured it was a safe way to handle the transaction. I sent {$160.00} using XXXX. However I didn't receive the tickets, and the seller stopped responding. Approx and hour later I contacted chase to get my money back. However the representative was extremely rude and unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2017 at approximately XXXX XXXX central standard time an international wire transfer was made from an XXXX XXXX checking account in the amount of {>= $1,000,000} XXXX pesos at an exchange rate of XXXX per 1 American dollar of which no monies where received into my U.S. Capital one checking account. The funds were successfully withdrawn from the XXXX account but never deposited into the Capital One account. We are concerned that it might have reached another account or that there was a mistake in between that needs to be fixed. XXXX bank has provided proof that the withdrawal transaction was successful but no monies were actually received into the Capital One account. Both parties have declined any wrong doing or responsibility for the missing money. Capital One has requested a federal reference number which XXXX can not provide. We have confirmed that all checking account numbers, routing numbers, swift codes and names where correct at the time for the transaction.

Company response to consumer: Closed with explanation