BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I NEVER OPENED A CAPITAL ONE CREDIT CARD AND THERE IS ONE SHOWING UP ON MY CREDIT REPORT AS LATE I DID NOT OPEN THIS ACCOUNT THIS IS NIT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This issue started with fraudulent charges to my XXXX account. I received 4 different invoices starting in XX/XX/XXXX. These invoices were dated XX/XX/XXXX,XX/XX/XXXXXXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I reported the fraud to XXXX. I called on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and on each occasion I was assured by different  people that they had taken care of the issue and closed my account, and I did not owe any money for this fraud, but despite this, I continued to receive bills. 

The invoice dated XX/XX/XXXX I did not receive until XX/XX/XXXX! I received Past Due notices for the XX/XX/XXXX invoice and the XX/XX/XXXX invoice, but no others. 

I was assigned a case person from the fraud department- XXXX XXXX , and given her direct phone and email contact information. Despite multiple phone calls and emails using the contact information I was given, no one ever answered or returned my phone calls or emails. 

In XX/XX/XXXX I had my last conversation with XX/XX/XXXX and was again assured by a supervisor in the XXXX fraud department that the issue was resolved, my account was closed, and I needed to take no further actions. 

I received no further Past Due statements. 

As of today, I received notification that I have been sent to a debt collection agency Transworld Systems INC for the sum of XXXX over the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a balance with XXXX college of {$1500.00}. The representative stated I could only make 4 payments to avoid this being on my credit report. I did set up payments to avoid this however someone hacked my checking account and the first payment was returned. I can not afford the payment of {$400.00} every 2 weeks at this time. Until my account is credited and everything is caught up I can afford {$100.00} a month for the time being. I do not want this to hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: EQUIFAX, INC.
State: MA
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: Problem getting your free annual credit report

Complaint:
Equifax will not allow me to view my report online in their Web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: URS Holding, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX hereby attaches a settlement offer from XXXX XXXX XXXX XXXX pertaining to an account with XXXX XXXX. I am not disputing if I had an account with XXXX XXXX. However, the issue I have is that this collection agency never forwarded a copy of transfer rights from XXXX XXXX to XXXX XXXX XXXX that they had been given the right to collect on a debt. The Federal Trade Commission has won millions from collection agencies in the past for improper procedures on the collection of debts. There is also a recent federal class action lawsuit against Alltran for serious Fair Debt Collection Practices Act violations. Accordingly, I wish to not join any class action. I will pay {$1000.00} to settle the referenced XXXX collection, and request that my name be cleared from all pertinent credit reporting agencies. XXXX XXXX XXXX knows the collection process, and stating that they have been referred on a collection does not comply with FDCPA guidelines. XXXX XXXX XXXX can send to my email address the acceptance of {$1000.00} payable within 10 business days by certified check, and the agreement to purge my file completely and delete from credit reporting agencies, or I will join the current class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NV
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 was a victim of identity theft and I request to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX AV XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX CARD XXXX Balance : {$780.00} ; XXXX Balance : {$4500.00} ; XXXX XXXX XXXX : {$4500.00} ; XXXX ; XXXX OF XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
As stated in a previous complaint on Portfolio Recovery Associates, they continue to provide invalid information. According to my lawyer the documents that they have submitted are hearsay and are invalid. In my research this company has done this to other consumers and has been sued in past in favor of the consumer. I would like for negative information to stop being reported on my credit reports and for the account to be removed before this situation has to go to the court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Computer Credit, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX 2017, I took my XXXX boys to their routine XXXX appointment at XXXX XXXX in XXXX, Fl. I 'm covered by two XXXX insurance companies : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have been bring my kids to XXXX XXXX for years now and have never had a problem. I 'm always told my balance before I leave which is always a XXXX dollar balance for XXXX and a XXXX dollar credit for me. However, about three months ago, I get a statement in mail stating I had a balance of XXXX dollars that is owe to them. I felt this was a mistake and due to my family and I moving to another state at the same time, I failed to follow up. I noticed about a month ago that the notices was coming to my new address which at that time I called XXXX XXXX to question them about the bill. I was informed that the rep. that would be able to help me is at lunch. I questioned, is she the only person in the billing department that can help me, I was informed that, everybody else is also at lunch. I then proceed to call my XXXX  insurance company. I talked to a rep. that informed me she would handle it because XXXX XXXX did not you the proper guidelines when submitting a claim. They are suppose to file the claim with my primary which is XXXX XXXX and XXXX XXXX first, then XXXX. She informed me that once they did that, they will pay the claim. She stated she would call them personally and talk to them about this. I actually got a call back from her stating she did talk to them and everything should be fine. However, yesterday XXXX XXXX, 2017, I get a letter in the mail from a collection agency stating that I have XXXX dollars debt that needs to be address within 30 days. I call XXXX XXXX personally and talked again to a rep. This time, the rep from XXXX informed me that he did n't see where I owed a balance, then he said wait, let me put you on hold. He got back on the phone stated he would have to call me back. I than in turn called XXXX XXXX and told the rep my issue at hand. She stated she would call them now and give me a call back. She called me back and informed me that XXXX was told again that they have to bill my primary first and told them to expedite this claim due to the fact that have not followed proper process of filing a claim. In addition, she sent them the guidelines to following a claim the proper way. I thank her and informed her I will never deal with XXXX XXXX again and I need them to send me my XXXX dollar credit because I will never use their services again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX Balance : {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I see that there have been outstanding complaints about Santander 's business practices. I have had a car loan with Santander for over 3 years, yet the balance owed ( {$18000.00} ) is nearly the same as when I initially took out the loan. My monthly payments of {$530.00} are too high, and has created a hardship. My last payment was made in XX/XX/XXXX.They state that this is an interest only loan ; however, the interest rate appears to be unfair. I thought the car would've been paid off by now. Yet, I still owe nearly {$20000.00} on a XXXX XXXX XXXX. I feel that I was taken advantage of by this company and its financial product, which required interest-only monthly payments without explaining that doing so would increase the total cost of the loan. Anyassistance given will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Coinbase, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Coinbase offers a service called Coinbase XXXX. It is a prepaid debit card, and I have been using this service for over 6 months. You buy XXXX XXXX with XXXX Dollars to load the card with funds, and when you use the card, it withdraws the funds from the account. I have made 3 different purchased from XXXX for grocery pick in XXXX. Since it is a pick up, XXXX places a temporary hold on the funds until the pick is complete. It takes about 8 days and then the transaction reconciles to final amount of the transaction. I made 3 different XXXX grocery orders in XXXX and all 3 are not finalizing with Coinbase XXXX. The transactions are as follows : XXXX. XX/XX/2023 XXXX - Amount On Hold {$300.00} Actual Final Amount with XXXX {$220.00} XXXX. XX/XX/2023 XXXX - Amount On Hold {$260.00} Actual Final Amount with XXXX {$190.00} XXXX. XX/XX/2023 XXXX - Amount On Hold {$240.00} Actual Final Amount with XXXX {$170.00} There is a total on hold amount of {$800.00} and the final amount is {$590.00}. That is a {$210.00} that needs to returned to me. I have placed 2 different tickets with Coinbase : XXXX. XX/XX/2023 - Ticket number XXXX XXXX. XX/XX/2023 - Ticket number XXXX Not a single response from Coinbase for either ticket. I responded 2 times to the first and 3 times to the second one. No one will answer me. I have called customer service and all they say is that they will put in a ticket and then to wait for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I've tried to apply for mortgage XXXX Because of wells fargo predatory I have not been able to purchase a home. 
Wells Fargo allowed to purchase a home making for XXXX making $ XXXX Once I told them I had a DBA from years ago that's all that was required. Once in the house there was a hurricane and I contacted them and I was told not to worry about payment due to disaster. 
Once modification was done my payment jumped from XXXX to almost XXXX I didn't know what to do. I was continually told they would give me modification I went through that several times. I was told I could save my house by filing bankruptcy and I made I've XXXX in payment but payments kept changing once payments got up to XXXX I had to let go. All of the money I invested gone. I also had almost XXXX in payments sitting with wells fargo., a young lady ask if she could apply it and that would cause the amount I owed to decrease but the next thing happened wasn't a modification but bankruptcy. I received a letter stating I owed XXXX dollars and agreed to pay and ask if I could pay the attorneys fees of {$800.00} dollars I was told I would have to contact attorney, the attorney told me it was up to wellsfargo.results I lost my home in XX/XX/XXXXat XXXX and can't get a home because of wellsfargo predatory lending. 
I never sat down with anyone about my credit or anything, just went the young lady told me the person who suppose to go over my credit was out.so she told me payment amount and I went and picked up key. 
I know I should have not believed this was a dream come true but I sincerely believed GOD had blessed me with a home. I just want to be able to get me another home. Banks like that won't accept the responsibility for what they did and the hardship they caused me, its OK they have to answer to a higher power one day. I just want that bankruptcy off my credit report so that the years GOD gives me I can live in peace.

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 2023-10-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent a letter on XX/XX/ to Transunion to remove the account below that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XXXX Ive already included this in my previous Complaint XXXX & I am including it again. 

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 2018-05-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I obtained a copy of my credit bureau today to learn that an item removed in XX/XX/XXXX as result of dispute has reappeared I wasnt given any notice before Equifax added the collection item back on report The item in question is a collection listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never signed a contract with this company or done and form of business with them I have never received any letter or call since there is no contract the company can not collect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute with Chime on XX/XX/2023 regarding an unauthorized transaction. Chime responded on the same day, stating that no error occurred. The institution completed their investigation and did not take a full 24 hours to address my concerns and accommodate me regarding this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: CNG FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
At a point the information was disputed and removed.I checked my credit report last week and noticed old accounts were inserted into my report that were deleted before

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: M.A.R.S., Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
The account on my credit report from MARS INC is inaccurate and I have been trying to receive information to contact someone reporting this false information. This debit was falsely added in XX/XX/2018 and I disputed it recently. It took them the entire 30 days just to claim that the debit is accurate which is untrue! MARS INC and XXXX XXXX XXXX ( now under new managemt which makes it more difficult to give my attorney any information on who to actually contact ) needs to take this account off. I need to know who is reporting this false information. The apartment complex illegally kicked me and my family out because we complained too much. They did an eviction without going through the courts basically to save themselves time and money. That is illegal to do in the state of Kansas without cause and paperwork which me or my boyfriend who was also on the lease never received. I need to know who to contact in order to take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have 4 loans and 23 of the payments are not being counted because loan services did not calculate payments correctly. Mohela had discard payments from XXXX. I have made 120 payments as a public service employee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A - States I have rights to my privacy 15 U.S.C. 1681 Section 604 A ( 2 ) - Further states a consumer reporting agency can not furnish my account without my written consent or written instructions.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any reason.

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 2018-09-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I had a problem with one payment from my XXXX XXXX XXXX, I forgot to make a single payment on time and after few days they started to harass my phone with more than 8 calls daily, when I already explained to them that I will pay my bill with the next bill, to make sure I am getting charged by the correct fee. I kept on receiving calls from them ; I spoke to them telling that I knew that the collection practices they were doing were inappropriate because of the multiple times a day they were reaching my line. I told them to stop calling me, and the person who I spoke to was threatening me with making changes in my account without letting me know if I refused to keep receiving the collection calls, he was being very loud and rude so I hang up. Now I am paying my credit card on time and they are making changes in my credit report without letting me know, and I feel like they are picking on me, affecting greatly my credit report. Month after month it is getting decreased because XXXX XXXX is making inquiry after inquiry. I consider this is some kind of harassment against consumer, for no reason when I am paying month by month. I have not miss a single payment. Please stop XXXX 's on this abusive practices. 

Thanks,

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